Benchmark $645/mo · ranked 14 of 21 · median wage $48,040
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The benchmark premium for a 40-year-old in Alabama is $645 a month for 2026, ranking 14 of 21 states published here. BLS reports a median annual wage of $48,040 for Credit Counselors in Alabama.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation is below the cliff in all 20 states reported.
What this figure is. It is the median annual wage BLS reports for Credit Counselors (SOC 13-2071) in Alabama. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed credit repair specialist. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $58,300 | below |
| 2 | Virginia | $455 | $51,330 | below |
| 3 | Indiana | $474 | $50,440 | below |
| 4 | Nevada | $497 | $51,960 | below |
| 5 | Ohio | $513 | $52,470 | below |
| 6 | Michigan | $523 | $51,000 | below |
| 7 | Colorado | $557 | $51,670 | below |
| 8 | South Carolina | $564 | $49,420 | below |
| 9 | Oklahoma | $604 | $42,250 | below |
| 10 | Wisconsin | $611 | $51,340 | below |
| 11 | Georgia | $615 | $57,300 | below |
| 12 | North Carolina | $638 | $49,670 | below |
| 13 | Utah | $640 | $49,250 | below |
| 14 | Alabama | $645 | $48,040 | below |
| 15 | Illinois | $646 | $51,160 | below |
| 16 | South Dakota | $655 | $49,610 | below |
| 17 | Texas | $661 | $46,910 | below |
| 18 | Kansas | $670 | — | — |
| 19 | Florida | $683 | $48,340 | below |
| 20 | Nebraska | $710 | $50,890 | below |
| 21 | Arkansas | $774 | $40,410 | below |
This page compares states. For Alabama specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.
← Credit Repair Specialists in all states · All trades · All occupations
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Alabama has 4 carriers filing across 67 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for a credit repair specialist buying your own cover, who stays matters more than the headline rate.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Alabama rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Alabama regardless of how the current litigation over the enrollment window resolves.
All 67 counties in Alabama sell a PPO, which is unusual and useful. For a credit repair specialist covering ground, it is the plan type that travels best.
Nothing about 2027 is urgent yet, which is exactly why it is worth ten minutes now. Come November you will be choosing between Alabama’s carriers under a deadline; today you can do it without one.
Give me a ZIP and I will tell you three things:
Most Credit Repair Specialists here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Alabama.