Health Insurance in Alabama

Info – Updates – And Free Services

From Health Insurance Brokers in Alabama

Individual Health Insurance

Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.

That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

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Group Health Insurance
Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

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Dental Insurance

A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

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Vision Insurance

Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

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Apollo Insurance Broker

Talk With A Helpful Licensed Sales Agent!

We'll Handle All Your Insurance Needs With No Extra Cost.

Health Insurance in Alabama

Apollo Insurance Group works hard to find the best providers of reliable health insurance in Alabama. Alabama uses the federal Marketplace for ACA/Obamacare plans, which currently has 3 carriers servicing the state. Our agents work with all the major carriers and focus on fully customizing plans that fit our clients’ needs.   

Health insurance in Alabama is rapidly changing, but Apollo is keeping up. The basics of Alabama health insurance are below; for a more in-depth look, call us now at 913-279-0077. 

Quick Facts about Health Insurance in Alabama

    • Alabama uses the federal Marketplace as its ACA Exchange. 
    • Open Enrollment for On-Exchange plans will be from November 1, 2022 – December 15, 2022.  
    • Off-Exchange plans offer year-round enrollment. 
    • Apollo Insurance Group can help broker plans from 13 different carriers. 

    When to Enroll in Alabama Health Insurance

    Enrolling in health insurance in Alabama is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2022 – December 15, 2022. To enroll outside of Open Enrollment, you will need a qualifying life event. 

    With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round. 

    How to Enroll in Alabama Health Insurance

    To enroll in a health insurance plan in Alabama, contact us now. We will work with you to find the best plan for your budget and needs. 

    Health insurance in the United States is a complicated beast, and Alabama is no exception. Let one of the experts at Apollo Insurance Group guide you.  

    This is just a brief overview of health insurance in Alabama. For a more in-depth breakdown, read our article on individual health insurance 

    Alabama Health Insurance – Find a Plan That’s Right For You

    Alabama Health Insurance Broker

    Health Insurance in Alabama – What You Need to Know

    When choosing health insurance in Alabama, it is important to consider the Affordable Care Act and the state’s regulations. In addition, you will want to be aware of the catastrophic plan options and metal tiers, as well as the requirements for coverage.

    Affordable Care Act

    If you are looking for health insurance in Alabama, you’ll be happy to know that there are many options. The Affordable Care Act’s health insurance marketplace covers a wide variety of plans. Some plans are available year-round, while others are limited to certain seasons of the year. Insurers can also provide short-term insurance, or short-term health plans. These plans usually last for a year or less, but can be extended to 36 months if needed. While short-term plans often do not offer comprehensive coverage, they do provide protection against major health problems. Plus, they come at a lower monthly expense.

    You can apply for Affordable Care Act health insurance in Alabama and enroll in a plan by submitting an application during the annual Open Enrollment Period. The open enrollment period typically occurs between November 1 and December 15, every year. The ACA requires that all plans cover at least 10 essential health benefits, including prescription drugs, maternity care, and emergency services. In some cases, you can also qualify for a Special Enrollment Period, which allows you to enroll in a plan after a qualifying life event, such as a new job, a new baby, or a job change.

    The Alabama health insurance market is arguably the least competitive in the country, with only three insurers offering coverage in the exchange in 2022. In addition, Blue Cross Blue Shield of Alabama plans will be the only ones available in most of the state by 2022. UnitedHealthcare and Humana sold individual health insurance in Alabama’s federal marketplace in 2014 and 2015. In 2016, Blue Cross Blue Shield of Alabama provided plans to about 90 percent of Alabama exchange enrollees.

    The Affordable Care Act has made it easier for low-income individuals to purchase coverage. The Act also lowers cost-sharing, co-insurance, and co-payments. During this time, fewer people would have to miss a doctor’s visit because they were unable to afford coverage. And because of the Affordable Care Act, Alabama’s Medicaid program is now more accessible to those who qualify.

    Metal tiers

    Metal tiers are a way for Alabama health insurance providers to differentiate their plans. Each tier of coverage offers varying levels of coverage, and different metal tiers offer different rates for coverage. You can compare the prices of different metal tiers by age and gender, and see which option is the most affordable for you. In addition to comparing rates, you can also view the deductibles associated with the various plans.

    There are two main types of metal tiers: Bronze and Silver plans. Bronze plans typically require you to pay forty percent of out-of-pocket expenses, while Silver and Expanded Bronze plans generally require you to pay up to 20% of covered expenses. Bronze and Silver plans may provide more coverage for a lower monthly premium, but they aren’t ideal for those who need a lot of healthcare.

    The most expensive metal tier is platinum. This plan covers 90 percent of medical expenses and requires the consumer to pay only ten percent of the costs. While the premium for this plan is higher than for other metal tiers, you’ll save more in the long run if you get lots of medical care. The premiums on a Platinum plan will be higher, but you’ll have a lower annual deductible than with other metal tiers.

    If you’re looking for health insurance in Alabama, you can compare different plans by their deductibles, monthly premiums, and out-of-pocket maximums. There are PPO plans and EPO plans available in Alabama, but you can also choose an HMO plan if you prefer greater flexibility. There are even subsidies available for low-income households!

    The Affordable Care Act established metal tiers in health insurance. There are four metal levels – Bronze, Silver, and Gold – and the cost sharing between them varies. Bronze health insurance plans typically have high deductibles, while Silver and Gold plans offer lower premiums. Each metal tier has various benefits.

    The prices of the different metal tiers of health insurance in Alabama vary considerably from county to county. For example, Blue Cross Select Silver is the cheapest silver plan in Alabama, but there are several other companies offering Silver 5000 plans for the same price in four counties. The average monthly premium for a Silver plan in Alabama is $1,445 per month.

    Catastrophic plan options

    Catastrophic plan options are health insurance options that pay for the covered medical expenses after a person meets the annual deductible. These plans are often more expensive, but you’ll get more value for your money. If you don’t have a lot of money to spend on health care, a catastrophic plan may be a good option for you. Catastrophic plans are not suitable for everyone, and some people may not qualify for them.

    Catastrophic health plans in Alabama cover the same essential health benefits as any other Marketplace plan. However, they come with a high deductible. You’ll be responsible for paying out-of-pocket for most of your health care until you reach the deductible. The deductible for a catastrophic plan in Alabama was $7,900 in 2019. Once you’ve met your deductible, the plan will pay for all of your covered services.

    Catastrophic health plans are suitable for individuals with high deductibles and severe financial hardship. These plans cover the essential health benefits and will help you to pay for a hospitalization if you need it. However, they’re not suited for people with chronic conditions.

    If you’re under the age of thirty, you can get catastrophic health insurance coverage through an employer’s plan. If you’re older, you need to apply for a hardship exemption. These exemptions include having been homeless for the past three years, or not being eligible for Medicaid expansion.

    Requirements for coverage

    When you are looking for health insurance in Alabama, it is important to determine the requirements for the policy you are considering. There are several types of health plans available in the state, and eligibility varies depending on age, income and family size. Listed below are some of the requirements you must meet to get the coverage you need.

    First, you must determine whether you are eligible for any financial assistance. If you are low-income, you can qualify for premium tax credits up to four times the federal poverty level. In addition, you can receive a subsidy for your Marketplace plan if you qualify. This subsidy can make it possible for you to afford the benchmark silver plan.

    In addition to determining the eligibility requirements, it is important to determine the type of plan you need. There are several affordable health insurance plans available in Alabama. Some are employer-based, while others are available through Medicaid or Medicare. Children’s plans are also available through government-funded programs.

    Depending on your needs, you can also purchase short-term health insurance plans in Alabama. These policies are subject to federal regulations and provide coverage for less than a year. However, if you have a preexisting condition, you may be denied coverage. Nonetheless, these plans are often cheaper than ACA marketplace plans. They will still provide coverage against major issues, but the monthly cost will be much lower.

    You can find affordable health insurance in Alabama through the state marketplace. According to the state’s health insurance marketplace, the average monthly cost for health insurance for an adult in Alabama is $567. The cost of a health insurance policy in Alabama has gone up by 3% since the year 2020.

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