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Alabama Health Insurance (AL)Choose from the list below to learn more about specific health insurance providers in Alabama. Read on to learn about health insurance regulations and programs in your state, or enter your zip code in the box to the right to request a health insurance quote. Get an Alabama health insurance quote >>
Alabama Health Insurance Providers (AL)
Alabama Individual Health Insurance (AL)When buying individual health insurance, Alabama allows the companies to turn you down for coverage. The exclusion period for a pre-existing condition can be longer than 24 months. In Alabama, there are no regulations which limit the premium price for individual insurance. The Alabama Department of Insurance states that premiums are based on the following considerations: medical care costs, coverage, age of policyholder, health, habits (smoking, as an example), geographic location, optional premium wavers. Alabama Group Health Insurance (AL)Under group health insurance from an employer, you cannot be denied insurance for a medical problem, be charged extra, or have your insurance cancelled if you get sick. When starting a new job, the new employer may have you wait a small length of time before starting the group health insurance. With pre-existing conditions, you might be required to wait for coverage at a new job, or have coverage for the condition excluded temporarily. If you have had continuous coverage, without a break of more than 63 days, you will be entitled to creditable coverage. When leaving a position that has group health, you can qualify for COBRA at the same level of coverage. With HIPAA eligibility, an individual can get Alabama Health Insurance Plan. Alabama Small Business Health Insurance (AL)Small businesses cannot be denied group health coverage because of a group member's health problem. Due to such health issues, a small business can have its premiums raised at the time of renewal. Get an Alabama health insurance quote online >> Alabama Self-Employed Health Insurance (AL)The self-employed are not eligible to buy group health insurance. Buying health insurance through a business association has different regulations, so it is best to check with the Alabama Department of Insurance, which can be contacted by the following information: Alabama Department of Insurance Alabama State Health Insurance Programs (AL)There is a program for low income children who do not qualify for Medicaid called ALL Kids. Low income individuals are also covered by Alabama Medicaid. Health Insurance in Alabama Cities (AL)Learn more about health insurance (including medical facility details) in Birmingham.
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Key Facts... From 1999 to 2009, employer-sponsored family health insurance premiums increased 131% and the average annual cost of coverage went from $5,791 to $13,375. You may be able to lower costs by switching to a private plan. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. The Recession of 2008-2009 meant that 6.9 million people lost their employer-sponsored insurance. Of those, 3 million became uninsured. Source: Based on John Holahan and Bowen Garrett, "Rising Unemployment, Medicaid, and the Uninsured." Among 300 million Americans, 15% are uninsured, 52% have coverage through an employer, 27% are covered under Medicare/Medicaid, and only 5% have private non-group coverage. Are you insured? If not, then request a quote today. Source: Kaiser Commission on Medicaid and Uninsured/Urban Institute analysis of March 2009 CPS. Average premiums for health insurance coverage range widely from state-to-state. In New York, annual premiums are an average of $6,630, while in Iowa they are $2,606. Find out how much you can save by requesting a quote. Source: AHIP Center for Policy and Research. "Individual Health Insurance 2009." |
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