Alabama Health Insurance

As a resident of Alabama, you have multiple options to choose from when it comes to health insurance. There are several insurance companies in Alabama that provide a wide range of plans for a variety of health needs.

Here you’ll be able to get the helpful information you’ve been searching for. Are you interested in the state’s top health insurance companies, important Alabama health insurance laws and regulations, and financial assistance and public Alabama health insurance programs? If so, we can help!

If you would like to get free health quotes and compare Alabama health insurance plans now, start with our simple form below.

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Resources on this page

Health Insurance Laws and Regulations in Alabama

Alabama Health Insurance Public Programs

Alabama Health Insurance High Risk Pools

Alabama Health Insurance Companies

Contact Info for the Alabama Department of Insurance and Public Health


Alabama Health Insurance Stats

Alabama Residents: 4,727,300
Median Annual Household Income: $42,245
Alabama Health Care Expenditures (in millions): $29,524
Households with at least 1 full time worker: 2,051,500
Alabama Health Insurance Coverage based on Total Population (%):

  • Employer: 49%
  • Individual: 5%
  • Medicaid: 1%
  • Medicare: 2%
  • Uninsured: 1%
Avg. Annual Employee Premium in Alabama employer-sponsored plan (after employer contrib.): $1,128
Avg. Monthly Alabama Individual Premiums: $136
Total Alabama HMO Enrollment: 215,580

Alabama Health Insurance Laws and Regulations

The individual health insurance market in Alabama is largely unregulated. State law does not require guaranteed issued coverage for any kind of health insurance plan. There is also no high-risk pool for Alabama residents who have health conditions.

Group health insurance under state law is, however, guaranteed issue for small groups of 2 to 50.

All policyholders in group health plans in Alabama are protected under the federal law HIPAA. If eligible, residents qualify for the Alabama Health Insurance Plan, which requires no waiting periods for any pre-existing health condition.

Alabama residents also have a right to COBRA coverage, if eligible. Because the federal law makes employees eligible for COBRA only in companies with more than 20 workers, Alabama has enacted a state expansion law which allows those employees have access to COBRA coverage.

State law does require Alabama health insurance plans to cover cancer screening for prostate, breast and colorectal cancer. There is also mental health parity in Alabama, which means mental health conditions are required to have the same coverage limits as physical conditions.

Also under Alabama health insurance law, insurance companies are allowed to consider pregnancy a pre-existing condition and may restrict coverage.

To learn more about health insurance laws in Alabama, go to the state's Department of Insurance website.

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Alabama Health Insurance Public Programs

There are a few different Alabama health insurance programs that provide coverage for low-income residents. They include:

  • Medicaid
    This is the federal and state health care program for low-income children, pregnant women and adults. Health benefits for Medicaid are administered and regulated on a state-to-state basis.

    For more information about, visit http://www.medicaid.alabama.gov/. The eligibility requirements for the Alabama Medicaid program can be found here.

  • All Kids
    All Kids is Alabama's State Children's Health Insurance Program (SCHIP) for children who do not qualify for Medicaid, but are unable to afford private coverage. To get more information on the All Kids Alabama health insurance program, visit http://www.adph.org/allkids/.

  • Alabama Breast and Cervical Cancer Early Detection Program
    Some women who are diagnosed with breast or cervical cancer are eligible for full insurance coverage through this program administered by Medicaid. More information on this Alabama health insurance program is found at http://www.adph.org/.

  • Alabama Medicare
    Alabama residents eligible for Medicare can find coverage through Medicare Advantage, Medicare Supplement, and Original Medicare.

Alabama residents can also receive the Federal Health Coverage Tax Credit if eligible. To learn more, visit the Internal Revenue Service (IRS) online.

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Alabama Health Insurance High Risk Pools

The Patient Protection and Affordable Care Act established high risk pools to provide health insurance for people with pre-existing conditions.

The Pre-Existing Condition Insurance Plan (PCIP) in Alabama will require enrollees to pay monthly premiums and out-of-pocket expenses -- similar to regular Alabama health insurance policies.

Alabama residents with PCIP will pay the same amount that people without pre-existing conditions pay on the private market. The estimated monthly premium rates for the Alabama health insurance high risk pool are $338 for ages 0 to 34; $406 for ages 35 to 44; $518 for ages 45 to 54 and $721 for people over 55 years of age.

Alabama enrollees will have to pay a $2,500 deductible for covered health care services before the high risk plan kicks in. There are also affordable copayments for doctor visits and prescriptions.

Individuals eligible for the Alabama PCIP must be United States citizens, have pre-existing conditions and been without health insurance for six months.

For more information on the Alabama health insurance high risk pool visit http://www.healthcare.gov/index.html.

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The following list of companies offer Alabama health insurance plans:

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Get Assurant Health Health Insurance in Alabama

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Get Celtic Health Insurance in Alabama

Great American Health Insurance

Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.

Get Great American Health Insurance in Alabama

Humana Health Insurance

Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.

Get Humana Health Insurance in Alabama

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.

Get John Alden Health Insurance in Alabama

Standard Security Life Health Insurance

Started in 1978, IAC offers management services to large companies who self-insure.

Get Standard Security Life Health Insurance in Alabama

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Get Time Insurance Health Insurance in Alabama

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

Get Time Short Term Health Insurance in Alabama

UnitedHealthOne Health Insurance

Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.

Get UnitedHealthOne Health Insurance in Alabama

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Get WorldIns ExpressMed Health Insurance in Alabama

Alabama Department of Insurance and Public Health

Find contact Information for the state Alabama health insurance and public health departments at:

Alabama Department of Insurance
U.S. Mail address:
P O Box 303351
Montgomery, AL 36130-3351

Overnight address:
201 Monroe Street
Suite 1700
Montgomery, AL 36104

Phone: 334-269-3550
Fax: 334-241-4192



Alabama Department of Public Health
The RSA Tower
201 Monroe Street
Montgomery, AL 36104

Toll free: 1-800-ALA-1818


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