Alabama’s health insurance landscape includes many avenues through which individuals and families may buy healthcare benefits. Alabamians without access to employer-sponsored coverage can shop for health insurance in the private marketplace and through the state’s federally facilitated exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP
HealthCare.org also offers Alabama health insurance quotes for Obamacare major medical insurance plans, short term health insurance, supplemental health insurance, dental insurance and Medicare supplement plans.
Alabama and the Affordable Care Act
When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Alabama elected to participate in the federally facilitated exchange. When Alabamians enroll in ACA-compliant health plans sold through the federal health insurance marketplace, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.
Only Marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families that do not qualify for financial assistance may opt to shop the private marketplace through sites such as HealthCare.org, where they may have access to different plan options and provider networks.
In Alabama the Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits.
Medicaid expansion in Alabama
While many states have expanded Medicaid to single, low-income adults since Obamacare took effect, Alabama has not.
Alabama residents that want to apply for Medicaid must meet certain eligibility criteria set by the state. More information is available through the Alabama Medicaid Agency at medicaid.alabama.gov.
Alabama’s Children’s Health Insurance Program, ALL Kids, provides low-cost health insurance for eligible children. Information about Alabama CHIP is available at adph.org/allkids.