Health insurance in Montgomery County, Alabama
2 insurers sell 30 marketplace plans here, and 9.8% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
Two insurers, and what that means
Two insurers sell here, offering 30 plans between them. If either leaves, Montgomery County becomes a single-insurer county. It gained 1 since the previous plan year, up from 1.
How many people here have no coverage
9.8% of Montgomery County's 172,864 under-65 residents have no health coverage — 16,921 people. That is close to the Alabama rate of 10.0%, and puts Montgomery County in the middle half of the 1,817 counties on this site (1081st).
Some of those 16,921 are in the Alabama coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
How much the marketplace is used
16,495 Montgomery County residents selected a marketplace plan for 2026: 95 per thousand under-65 residents, 839th of 1,817. That is above the 78 per thousand typical of published counties. 2,719 of them — 16% — were new rather than renewing.
Montgomery County against Alabama
Montgomery County is the 7th largest of the 8 Alabama counties we publish. Its uninsured rate tracks the state almost exactly and with 2 it has the fewest insurers of any Alabama county. Marketplace use is close to the Alabama rate.
| Montgomery County | Alabama | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 9.8% | 10.0% | 9.9% |
| Insurers selling | 2 | 2–4 | 4 |
| Plans offered | 30 | — | 57 |
| Selections per 1,000 | 95 | 114 | 78 |
| New rather than renewing | 16% | 13% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Tuscaloosa County | 181,574 | 8.6% | 2 | 25 |
| Shelby County | 191,414 | 7.1% | 4 | 54 |
| Baldwin County | 201,674 | 9.5% | 3 | 43 |
Shelby County has 4 insurers against this county's 2 — a reminder that the county line, not the state line, is what decides your options.
Other Alabama counties · Where the subsidy stops · Enrollment dates