Health insurance options in Mobile
Residents of Mobile and Mobile County buy coverage from two markets: HealthCare.gov, with guaranteed-issue plans from Blue Cross and Blue Shield of Alabama, Ambetter, Oscar, and UnitedHealthcare priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Mobile have only been shown the first.
What it costs in Mobile
A healthy 40-year-old in Mobile pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Mobile doctors
Marketplace plans in Alabama are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Mobile County and work in every state — we check your specific doctors before you enroll.
The Alabama factor
Alabama didn't expand Medicaid and one Blue Cross carrier dominates the marketplace, so self-employed people above the subsidy line often see very few choices — and few PPO options. Alabama has no state individual mandate.