Health insurance in Shelby County, Alabama

4 insurers sell 54 marketplace plans here, and 7.1% of under-65 residents have no coverage at all.

Reviewed September 4, 2026 · 2026 federal data

4Insurers selling 54 plans between them

7.1%Uninsured, under 65 13,510 people

80Plans per 1,000 15,389 selections

191,414Under-65 residents 144th of 1,817

Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.

Who sells here, and how much choice that gives

4 insurers sell marketplace plans in Shelby County, offering 54 plans between them, roughly 14 each. The number has not changed since the previous plan year.

How many people here have no coverage

7.1% of Shelby County's 191,414 under-65 residents have no health coverage — 13,510 people. That is below the Alabama rate of 10.0%, and puts Shelby County in the bottom quarter of the 1,817 counties on this site (1532nd).

Some of those 13,510 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

15,389 Shelby County residents selected a marketplace plan for 2026: 80 per thousand under-65 residents, 1077th of 1,817. That is close to the 78 per thousand typical of published counties. 2,043 of them — 13% — were new rather than renewing.

Shelby County against Alabama

Shelby County is the 5th largest of the 8 Alabama counties we publish. Its uninsured rate runs 2.9 points lower than Alabama overall and with 4 insurers it is as well served as anywhere in Alabama. Marketplace use is well under the Alabama rate.

	Shelby County	Alabama	Published median
Uninsured, under 65	7.1%	10.0%	9.9%
Insurers selling	4	2–4	4
Plans offered	54	—	57
Selections per 1,000	80	114	78
New rather than renewing	13%	13%	15%

Counties of a similar size nearby

County	Under 65	Uninsured	Insurers	Plans
Tuscaloosa County	181,574	8.6%	2	25
Baldwin County	201,674	9.5%	3	43
Montgomery County	172,864	9.8%	2	30

All of them have fewer insurers than this county's 4, which makes it the stronger market locally.

What a plan actually costs in Shelby County

These are the published figures for Shelby County. What you would pay depends on your age, household and income — a licensed agent can price the 54 plans sold here against your situation.

(866) 843-0930

9am – 6pm, Monday through Friday, Eastern time. Closed Saturdays and Sundays.
You reach Clearline Health Insurance, a licensed insurance agency. There is no cost to call.

When you call the number on this site you reach Clearline Health Insurance (National Producer Number 19024830), a licensed insurance agency. HealthPlanIndex is compensated for that connection. That is how this site is paid for, and it does not change what you pay for a plan.

Other Alabama counties · Where the subsidy stops · Enrollment dates