Health Insurance Carriers in Alabama (AL)
Residents of Alabama have a right to all the applicable information when they are searching for a health insurance policy. We have provided a few of those details below for your convenience as well as links to a few recommended providers. Look everything over and request your free, personalized health insurance quote.
Health Insurance regulations differ from state to state, and the carriers that offer health care coverage in Alabama have different plans and options. We hope you will find this resource informative and useful. First, review the list of carriers we recommend in Alabama and click the links to learn more about them. Second, review basic information about Alabama Health Insurance at the bottom of this page. Finally, (when you are informed and ready), request more information for health insurance >>
Health Insurance Carriers in Alabama:
Aetna
Assurant Health (Formerly Fortis)
Celtic
Fairmont Specialty Group / TIG
Golden Rule
Individual Health Insurance in Alabama (including Self-Employed)
- The Alabama Department of Insurance states that premiums are based on: medical care costs, coverage, age of policyholder, health, habits (smoking, as an example), geographic location, optional premium wavers.
- Providers may deny coverage.
- The exclusion period for a pre-existing condition can be longer than 24 months.
- There are no regulations limiting the premium price for individual insurance.
Get more information about health insurance >>
Self-Employed Health Insurance in Alabama
- The self-employed may not purchase group health insurance.
- Check with the Alabama Department of Insurance before buying health insurance through a business association.
Group Health Insurance in Alabama (including Small Business Health Insurance)
- No eligible applicant can be denied coverage because of a medical problem, cannot be charged extra and cannot be cancelled should illness arise.
- An employer may require a wait period before offering group health insurance.
- With pre-existing conditions, applicants might be required to wait for coverage or have coverage for the condition excluded for a time.
- If continuous coverage is maintained without a break of more than 63 days, creditable coverage will be available.
- When leaving a position that had group health, applicants may qualify for COBRA at the same level of coverage.
- With HIPAA eligibility, an applicant can qualify for Alabama Health Insurance Plan.
Small Business Health Insurance in Alabama
- Small businesses cannot be denied group coverage because of a health problem within the employee group.
- Due to medical problems of employees, a small business may have its premiums raised at the time of renewal.
Alabama Health Care Programs
Alabama Department of Insurance
201 Monroe Street, Suite 1700
Montgomery, AL 36104
334-269-3550
www.aldoi.org
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