Medicare in Alabama: 2026 Plans, Costs, and Enrollment Guide
- 98 Medicare Advantage plans available statewide (Alabama: 67 counties; CMS 2026 Fact Sheet)
- 28 Medigap carriers offering Plan G (TPP rate database, CY2026)
- 12 standalone Part D plans in PDP Region 12 (Alabama and Tennessee)
- Avg MA premium $10.62/mo in 2026 (was $15.76 in 2025) (CMS 2026 Fact Sheet)
- LIS benchmark: $27.74/mo (Region 12)
Alabama Medicare Snapshot
Alabama has 98 Medicare Advantage plans available statewide for 2026 (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet), with the specific plans offered varying by county within Alabama’s 67 counties. Most Alabama Medigap policies are attained-age rated.
The average monthly MA premium in Alabama is $10.62 in 2026 (changed from $15.76 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
| Metric | Alabama 2026 | Source |
|---|---|---|
| MA plans available | 98 statewide (Alabama: 67 counties) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Avg MA premium | $10.62/mo (2025: $15.76) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Medigap carriers (Plan G) | 28 (most carriers use attained-age) | TPP internal data, CY2026 |
| HDG carriers | 22 (most carriers use attained-age) | TPP internal data, CY2026 |
| Standalone Part D plans | 12 (PDP Region 12 — Alabama and Tennessee) | CMS 2026 MA & Part D Landscape Fact Sheet |
| Part D LIS benchmark (Region 12) | $27.74/mo | CMS CY2026 Regional Rates & Benchmarks |
Plan Types Available in Alabama
Medicare Advantage (Part C)
Alabama offers 98 Medicare Advantage plans statewide for 2026 (CMS 2026 Fact Sheet). Top MA carriers include Humana, Devoted Health, and UnitedHealthcare. Check Medicare Plan Finder for per-plan star ratings in your county.
Medigap (Medicare Supplement)
Alabama uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 28 carriers offer Plan G in Alabama in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 22 Alabama carriers.
Most Alabama Medigap policies are attained-age rated. See our MA vs Medigap comparison →
Standalone Part D (Prescription Drug Plans)
Alabama is in CMS PDP Region 12 (Alabama and Tennessee). For 2026, there are 12 standalone PDP plans available (CMS 2026 Fact Sheet).
Costs in Alabama
Medicare Advantage Premiums
The average monthly MA premium in Alabama is $10.62 in 2026 (changed from $15.76 in 2025; CMS 2026 Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.
Medigap Premiums — Plan G and HDG
Most Alabama Medigap policies are attained-age rated. Across the 28 Alabama Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $124 to $634/month(TPP rate database, CY2026).
High-Deductible Plan G (HDG) is offered by 22 Alabama carriers; premiums range from approximately $115 to $888/month(TPP rate database, CY2026). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the high-deductible amount (CMS’s 2026 Medigap high-deductible options notice publishes the current dollar figure).
Part D Costs and the LIS Benchmark
For 2026, Alabama (PDP Region 12 — Alabama and Tennessee) has 12 standalone PDP plans (CMS 2026 Fact Sheet). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 12 is$27.74/month (CMS CY2026 Regional Rates and Benchmarks).
Alabama-Specific Medicare Rules
No State Medigap Birthday Rule
Alabama does not have a state Medigap Birthday Rule or Anniversary Rule. Outside of the federal 6-month Medigap Open Enrollment Period and qualifying federal guaranteed-issue events, most Medigap purchases in Alabama are subject to medical underwriting at the carrier's discretion.
Medicare Savings Programs (MSPs)
Alabama offers Medicare Savings Programs (MSPs) through Alabama Medicaid Agency:
- QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
- SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
- QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.
Apply through Alabama Medicaid Agency or contact Alabama SHIIP (1-800-243-5463) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →
Alabama SHIIP
Alabama SHIIP is Alabama's federally designated State Health Insurance Assistance Program (SHIP). It provides free, unbiased Medicare counseling statewide through trained volunteers.
Phone: 1-800-243-5463
Website: alabamaship.org
Enrolling in Medicare in Alabama
Standard Enrollment Periods
- Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
- Annual Election Period (AEP): October 15 – December 7 each year.
- Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
- Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B.
- Special Enrollment Periods (SEPs): Learn more →
Alabama SHIIP Counseling
Contact Alabama SHIIP at 1-800-243-5463 for free one-on-one Medicare guidance statewide.