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The downtown Birmingham, Alabama, skyline on a clear day

Birmingham · Jefferson County, Alabama

Birmingham health insurance broker. For parents who buy family coverage.

Free help for Birmingham parents who buy their own family plan. Self-employed, between jobs, or offered a job plan that costs too much to add the kids? We compare HealthCare.gov plans for your whole household. We are licensed in Alabama.

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  • No Spam Calls

Photo: "Birmingham, Alabama skyline" by Quintin Soloviev, via Wikimedia Commons, licensed under CC BY 4.0. Cropped, resized, and converted to WebP. Modified from the original.

Questions we hear

Covering the
whole family?

Census Bureau figures show about 15 in 100 Birmingham residents under 65 had no health coverage. Parents here ask us these.

“Do my kids need to be on my plan?”

Not always. Children may qualify for ALL Kids or Medicaid while the parents get a Marketplace plan. We check each child.

“How is our tax credit figured?”

It is based on your household size and what you expect to earn in 2027. More people in the home can change the number.

“Our kids have a doctor we like. Can they keep that doctor?”

Only if the doctor is in the plan's network. We look the doctor up in each plan before you pick.

Birmingham by the numbers

Alabama's big city,
in Jefferson County.

Birmingham is mostly in Jefferson County, with a small part in Shelby County. These are Census Bureau estimates.

About 198,000

Birmingham residents, by 2020-2024 Census counts.

$46,051

is the median Birmingham household income.

About 46 in 100

of Birmingham homes are owner-occupied.

About 36

is the median age in Birmingham.

About 10 in 100

of Birmingham workers do their job from home.

About 15 in 100

of Birmingham residents under 65 were uninsured.

About 8 in 100

of Birmingham adults 19-64 bought their only coverage.

Source for Birmingham: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Family help
in Birmingham.

We can line up Alabama plans from more than one insurer. For each one, we show the monthly price after any tax credit and the most your family could pay in a year.

ALL Kids is Alabama's low-cost plan for kids under 19 who qualify. HealthCare.gov says you can apply for Medicaid and CHIP any time of year.

If one parent has a job plan, we compare adding the family to it with buying a separate family plan.

Each Birmingham plan has its own list of children's doctors and hospitals. We look for the ones your family sees.

  • Help for parents buying family coverage
  • Licensed in 20 U.S. states · Agent NPN 20986580
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
for your family.

Who is in your home

Everyone's age and your Birmingham ZIP code.

Family income

What your household expects to earn in 2027.

Pick what fits

Plans, ALL Kids, or a mix, with doctors checked.

Book a 15-minute call
Free · No obligation · About a 15-minute call

What you get

Everyone covered,
with a clear cost.

Knowing who goes where makes the year easier to plan. After our call, you'll have:

  • Whether your kids may qualify for ALL Kids or Medicaid
  • A yearly cost for each family plan
  • Your family's doctors checked
  • A plan to choose by December 15, 2026, for a January 1, 2027, start

Straight answers

Birmingham health insurance questions.

When is open enrollment in Alabama for 2027?

Alabama families sign up on HealthCare.gov. As of October 27, 2026, HealthCare.gov shows open enrollment for 2027 running November 1, 2026, through January 15, 2027. A court case about these dates, City of Columbus v. Kennedy, is still in the courts. Check HealthCare.gov for the latest dates. Choose by December 15 for a January 1 start. Choose by January 15 for a February 1 start.

Did Alabama expand Medicaid?

No. As of October 27, 2026, KFF does not count Alabama among the states that adopted the ACA Medicaid expansion. Children may still qualify for Medicaid or ALL Kids.

What if we have a baby during the year?

A new baby usually opens a 60-day window to add the child or change plans. Under current law, Marketplace plans cover pregnancy and newborn care.

Are checkups for kids covered?

Under current law, Marketplace plans cover many preventive services for children, like well-child visits and shots, at no cost in the network.

What if our income changes during the year?

Update HealthCare.gov when it changes. That keeps your tax credit close to right, so there are fewer surprises at tax time.

Is Birmingham in one county?

No. Most of Birmingham is in Jefferson County, and a small part is in Shelby County.

What should I bring to the call?

Everyone's age, your ZIP code, your expected 2027 income, and your family's doctors and drugs.

Can each child be on a different program?

Yes. Some kids in a family may qualify for a program while others join a plan. We check each one.

More help

How much is family health insurance? Family health insurance mistakes Health insurance for single mothers All areas we serve

Open enrollment starts November 1

Comparing plans in Birmingham?

Plan your family's coverage on a free 15-minute call, or start a quote online. You decide.

Book a 15-minute callGet a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked October 27, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: HealthCare.gov. To check an agent's license, contact your state's insurance department. Birmingham / Jefferson and Shelby Counties, Alabama.