Ambetter of Alabama Offers Health Insurance in Alabama in 2026

Rhea-AI Summary

Centene (NYSE:CNC) announced Ambetter of Alabama will offer Health Insurance Marketplace plans in 40 Alabama counties for plan year 2026. Open enrollment runs Nov 1, 2025–Jan 15, 2026, with enrollment by Dec 15, 2025 required for Jan 1, 2026 coverage. Plans cover all essential health benefits and some include dental and vision.

Notable 2026 features: $0 copays for preferred insulin and select diabetic meds/supplies on some Ambetter Health Premier plans, My Health Pays rewards up to $500, online/mobile enrollment, and 24/7 virtual care.

Positive

• Plans offered in 40 Alabama counties for 2026
• Open enrollment Nov 1, 2025–Jan 15, 2026
• $0 copays for preferred insulin on some plans
• My Health Pays rewards up to $500 in 2026
• 24/7 virtual care access via telehealth

Negative

• Coverage limited to 40 counties (not statewide)
• Must enroll by Dec 15, 2025 for Jan 1, 2026 start
• My Health Pays rewards exclude pharmacy copays

During open enrollment, starting Nov. 1, residents can access affordable Ambetter of Alabama plans in 40 counties.  

HUNTSVILLE, Ala., Nov. 3, 2025 /PRNewswire/ -- Ambetter of Alabama, a product offered by a Centene Corporation (NYSE: CNC) company, a leading healthcare enterprise that provides insurance to under-insured and uninsured populations through the Health Insurance Marketplace®, will offer a variety of affordable health insurance plans to Alabamians in 40 counties for plan year 2026. The open enrollment period for the Health Insurance Marketplace runs from Nov. 1, 2025, through Jan. 15, 2026. Enroll by Dec. 15, 2025, for coverage starting Jan. 1, 2026.

"As an Alabama native, and on behalf of Ambetter of Alabama, we are proud to offer our marketplace plans in 40 counties across Alabama," said President and Chief Executive Officer of Ambetter of Alabama, Corey Ewing. "We look forward to offering high-quality, cost-effective care and an enhanced provider network to Alabamians in 2026."

Ambetter of Alabama offers its members access to quality care and convenient services. 2026 benefits and offerings include: 

• Affordable and Reliable Coverage:
  Ambetter of Alabama provides coverage for all essential health benefits, including preventive and wellness services, maternity and newborn care, pediatric services, mental health services, hospitalizations and prescription drug coverage. Some plans also include dental and vision coverage.
  
  
• Condition-Specific Plans: Diabetes
  Starting in 2026, some Ambetter Health Premier plans provide members managing diabetes with additional healthcare options and savings. Members on these plans will have lower out-of-pocket costs for certain medications, supplies and clinical support. Members of these plans may have access to $0 copays for preferred insulin and select medications used to manage diabetes, high blood pressure, high cholesterol and mental health. These plans also include $0 copays on certain diabetic supplies and labs such as lancets, glucose test strips, ketone and urine test strips, insulin syringes and pen needles, as well as routine A1c labs.
  
  
• Convenient Online Enrollment:
  Through the Ambetter of Alabama website, people can browse and compare coverage options, determine their eligibility for financial subsidies and directly enroll in coverage — all in one place. The platform is accessible through mobile devices, so people can enroll using smartphones. If a person is unable to complete enrollment all at once, the system will save progress and provide reminders to finish enrollment.
  
  
• My Health Pays*:
  Members have access to the My Health Pays® program, where they can earn points for practicing healthy eating habits, staying active and leading a healthy lifestyle. Through the program, members can complete health-related activities and challenges to earn up to $500 in rewards* in 2026. These rewards can be used for health-related expenses such as premiums, copays and deductibles (pharmacy copays are excluded). My Health Pays also allows members to set and reach health goals at their own pace by providing seasonal suggestions for activities and guidance to help stay on track.
  
  
• Virtual 24/7 Care**:
  Virtual 24/7 Care offers members a licensed provider via telehealth for members to access care for illnesses such as flu, skin conditions, ear infections, fever and respiratory infections — all from the comfort of their home.

The full list of 40 counties in which Ambetter of Alabama will be offered can be found at ambetterhealth.com/en/al/health-plans/coverage-map.

Alabama residents interested in learning more about Ambetter of Alabama or enrolling in a health plan during the open enrollment period may visit ambetterhealth.com/en/al.

About Ambetter of Alabama 
Ambetter of Alabama serves under-insured and uninsured populations through the federal Health Insurance Marketplace®. Ambetter of Alabama is underwritten by Celtic Insurance Company, which is a Qualified Health Plan issuer in Alabama. For more information, visit ambetterhealth.com/en/al. This is a solicitation for insurance. For information on your right to receive an Ambetter of Alabama plan free of discrimination, or your right to receive language, auditory and/or visual assistance services, please visit ambetterhealth.com/en/ and scroll to the bottom of the page.

*Healthcare-related costs will vary by member and the plan in which you are enrolled. Funds expire immediately upon termination of insurance coverage. My Health Pays® rewards cannot be used for pharmacy copays. Restrictions apply. Members must qualify for and complete all activities to receive $500 or more. Visit Member.AmbetterHealth.com for more details. Your health plan is committed to helping you achieve your best health. Rewards for participating in a wellness program are available to all members. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means.

**Cost sharing may apply when using Virtual 24/7 Care or Virtual Primary Care. Virtual 24/7 Care cost share does not apply to HSA plans until the deductible is met and is only applicable when used through the Virtual 24/7 Care program. Ambetter Health does not provide medical care. Medical care is provided by individual providers, which are independent contractors and not agents of Ambetter Health.

 

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SOURCE Ambetter of Alabama

FAQ

When does Ambetter of Alabama open enrollment for 2026 (CNC)?

Open enrollment runs Nov 1, 2025–Jan 15, 2026 with a Dec 15, 2025 deadline to start coverage on Jan 1, 2026.

Which counties will Ambetter of Alabama (CNC) serve in 2026?

Ambetter of Alabama will offer plans in 40 counties; the full county list is available on ambetterhealth.com/en/al/health-plans/coverage-map.

What diabetes benefits do Ambetter of Alabama 2026 plans (CNC) include?

Some Ambetter Health Premier plans include $0 copays for preferred insulin and select diabetes medications, supplies, and routine A1c labs.

How much can members earn from Ambetter of Alabama's My Health Pays (CNC) in 2026?

Members can earn up to $500 in rewards for health activities in 2026; rewards exclude pharmacy copays.

Can I enroll in Ambetter of Alabama (CNC) using a smartphone?

Yes — online enrollment is mobile-accessible, saves progress, and lets users compare plans and check subsidy eligibility.

Does Ambetter of Alabama (CNC) offer telehealth in 2026?

Yes — members have access to 24/7 virtual care for common illnesses and minor conditions via telehealth.