Health insurance in Alabama is widely available to individuals, families, the self-employed, small and large businesses, and Seniors. UnitedHealthcare, Blue Cross Blue Shield, Ambetter, and Oscar provide coverage for ACA Marketplace coverage. The average monthly premium (with subsidy) is less than $100 per month for Bronze-tier plans. Medicare products include Advantage (MA), prescription drug (Part D), and supplement contracts. An annual Open Enrollment period allows applicants to apply for coverage without answering Medical questions.