Snapshot of Alabama Health Insurance
- Total Alabama Residents – 4,849,377
- Alabama uninsured residents – 18%
*Source: Trust for America’s Health
Do I need to buy Alabama health insurance?
Yes. Under Obamacare there is an Individual Mandate that requires U.S. citizens under the age of 65 to enroll in a health insurance plan or pay a fine. For 2015, not carrying insurance will cost $325 per adult plus $162.50 per child (up to $975 per family) or 2 percent of your family’s income, whichever is more. The fee will increase each year with inflation.
What are my options for buying affordable Alabama health insurance?
As a resident of Alabama, you have multiple options to choose from when it comes to choosing your Alabama health insurance.
You have access to affordable Alabama health plans from multiple affordable Alabama health insurance carriers in 5 coverage levels, commonly called metal tiers. Platinum is the most expensive option, but it offers the best cost-sharing benefits, covering 90 percent of health expenses. Bronze is the least expensive plan type, but it only covers 60 percent of health expenses. Some states also offer Catastrophic plans. Catastrophic plans do not cover any percentage of health expenses, and serve as the most limited form of affordable Alabama health insurance coverage available in the Obamacare market. Only persons ages 30 and younger may opt to purchase these plans. Based on 2014 enrollment figures, Silver plans are the most popular choice amongst Americans who purchased Obamacare plans.
Where do I buy affordable health insurance?
Your search for Alabama health insurance starts here. We will help to ensure that you’re getting the best possible price for your health insurance coverage. Simply complete this form or call 855-885-2798 to compare Alabama health insurance plans now.
Should I buy an Alabama HMO plan or Alabama PPO plan?
If you choose a Health Maintenance Organization (HMO)you will have access to doctors and hospitals within the plan’sapproved network. A HMO network is made up of health care providers that have agreed to certain rates for plan members. This typically results in lower premiums and/or copayments.
Unlike PPO insurance plan types, care is covered only if you see a provider within your HMO’s network. In addition, your HMO plan will only cover your visit to a health care specialist (obstetrician, cardiologist, rheumatologist) if you get a referral from your primary care physician.An HMO plan usuallyinvolves more restrictions, such as allowing only a certain number of visits, tests or treatments per year.
In general, HMO plans will have the following characteristics:
- Lower monthly premiums
- Must see primary care physician for a referral before seeing a specialist
- If you seek care outside of your network (emergencies excluded), your insurance won’t cover the cost
A Preferred Provider Organization (PPO) is a managed care health plan that gives you access to multiple choices in health care and health care providers. The network of physicians in a PPO is often much larger than an HMO and you will be able to refer yourself to physicians outside of the network, but you may pay a higher copayment for this service. Unlike HMO plans, the PPO plan does not require the use of a primary care physician (PCP) referral to see a specialist.
In general, PPO plans will have the following characteristics:
- Higher monthly premiums
- Higher co payments
- Referrals aren’t needed to see a specialist
- You can see any health care professional you want – inside or outside of your PPO network. However, going outside of your PPO network may cost you more
Who is exempt from insurance?
The individual mandate requires most everyone to purchase health insurance or pay a penalty. You may qualify for an exemption from the Obamacare penalty if you are:
- Uninsured for less than 3 months
- Unable to find a plan that would cost less than 8% of your household income
- A member of a recognized health care sharing ministry, a recognized religious sect with religious objections to insurance or a federally recognized tribe
- Qualify for a hardship exemption
I am in between jobs – can I buy short-term insurance?
Alabama short-term health insurance plans offer health care coverage for a limited period of time (around 1 to 12 months) and are a great solution when you’re between jobs, waiting for group coverage to start, or if you’re a recent college graduate. Simply complete this form or call 855-885-2798 to compare coverage plans and prices today.
Short-term health insurance plans rarely cover pre-existing medical conditions. A pre-existing medical condition is usually defined as conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, it’s a good idea to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA.
Can I buy Obamacare coverage for my children and not for myself?
Yes – you can purchase insurance for your children and not include yourself in the coverage. Simply complete this form or call 855-885-2798 to compare coverage plans and prices today. Note that if you and your spouse are not covered, you will be subject to the tax penalty.