AFFORDABLE CARE ACT FINAL RATES
(334) 269-3550
10/18/2022
The Alabama Department of Insurance (ALDOI) has approved the final 2023 premium rates for the Affordable Care Act Individual Market in Alabama. The rates will be effective on January 1, 2023. The three carriers in the Alabama individual market are Blue Cross Blue Shield of Alabama (BCBS), UnitedHealthcare Insurance Company (UHC), and Celtic Insurance Company (CIC). In general, rates for BCBS decreased 0.3 percent, and rates for UHC increased 14.9 percent. CIC is new to the Affordable Care Act Individual Market in Alabama in 2023. The actual rates and the supporting material may be found by clicking on the links below. Consumers with an insurance question may contact the Alabama Department of Insurance, Consumer Services Division, using the contact information below. The Department also maintains a Live Chat feature for consumers at our website at www.aldoi.gov. A representative will be happy to help answer your questions. ALDOI Consumer Services For more information, call the Alabama Department of Insurance at (334) 269-3550. Final Rate Changes for Affordable Care Act Policies In the Individual Market Changes to be effective January 1, 2023 Blue Cross and Blue Shield of Alabama Sold on Exchange? Rate Change Blue HSA Gold Off 0.6% Blue Value Gold On and Off 0.5% Blue Secure Silver Off -1.9% Blue Value Silver On and Off -0.4% Blue Saver Bronze On and Off -0.2% Blue Protect On and Off -2.3% Blue HSA Bronze On and Off 0.5% Blue Cross Select Gold On and Off 0.5% Blue Cross Select Silver On and Off -0.3% Blue Saver Silver Off -1.4% Blue Saver Silver EPO On and Off -0.1% Blue Standardized Gold On and Off N/A - New Blue Standardized Silver On and Off N/A - New Blue Standardized Silver EPO On and Off N/A - New Blue Standardized Bronze On and Off N/A - New UnitedHealthcare Insurance Company UHC Bronze Value $7,500 Deductible On & Off 16.1% UHC Bronze Essential $9,100 Deductible On & Off N/A - New UHC Bronze Value HSA On & Off N/A - New UHC Bronze Standard $9,100 Deductible On & Off N/A - New UHC Bronze Standard $7,500 Deductible On & Off N/A - New UHC Bronze Essential $6,350 Deductible On & Off N/A - New UHC Silver Value $4,000 Deductible On & Off 15.6% UHC Silver Value $3,300 Deductible On & Off 13.7% UHC Silver Advantage On & Off 14.7% UHC Silver Advantage $0 Deductible On & Off N/A - New UHC Silver Standard On & Off N/A - New UHC Gold Value On & Off 12.2% UHC Gold Advantage+ On & Off 13.3% UHC Gold Standard On & Off N/A - New Celtic Insurance Company Ambetter Clear Bronze On & Off N/A - New Ambetter Choice Bronze HSA On & Off N/A - New Ambetter Everyday Bronze On & Off N/A - New Ambetter Clear Silver On & Off N/A - New Ambetter Focused Silver On & Off N/A - New Ambetter Everyday Silver On & Off N/A - New CMS Standard Bronze On & Off N/A - New CMS Standard Expanded Bronze On & Off N/A - New CMS Standard Silver On & Off N/A - New CMS Standard Gold On & Off N/A - New Ambetter Elite Bronze On & Off N/A - New Ambetter Clear Bronze + Vision + Adult Dental On & Off N/A - New Ambetter Choice Bronze HSA + Vision + Adult Dental On & Off N/A - New Ambetter Everyday Bronze + Vision + Adult Dental On & Off N/A - New Ambetter Clear Silver + Vision + Adult Dental On & Off N/A - New Ambetter Focused Silver + Vision + Adult Dental On & Off N/A - New Ambetter Everyday Silver + Vision + Adult Dental On & Off N/A - New Ambetter Elite Bronze + Vision + Adult Dental On & Off N/A - New 2023 Redacted Actuarial Memorandums: 2023 Rates by Company
Phone: 334-241-4141 or 1-800-433-3966
Email: ConsumerServices@insurance.alabama.gov
Fax: 334-956-7932
Live Chat: Available 9:00 a.m. to 4:00 p.m. Monday through Friday: www.aldoi.gov.
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