Need low-cost medical coverage now in Mobile or any other part of Alabama? There are many low-cost Alabama Marketplace medical plans offered to individuals, families and small businesses. With the Obamacare subsidy, you can drastically reduce your premiums, if you meet household income eligibility requirements. Low deductibles and co-pays are offered on many plans. Participating companies include Blue Cross and Blue Shield of Alabama. Yes, that's it! Humana and UnitedHealthcare are not participating this year. However, Freedom Life will offer off-Exchange coverage. Future Trump Administration changes may offer additional plans with low rates, if Congress can approve proposed legislation. This is not expected until 2019.
Get quality coverage from the top-rated companies with pre-existing conditions covered on Marketplace plans. During Open Enrollment, you can not be denied for medical reasons and you can choose a Platinum, Gold, Silver, or Bronze-tier plan. If you are under 30 years old, a catastrophic policy is offered, that keeps premiums quite affordable. After Open Enrollment ends, there are also several low-cost options including Special Enrollment Periods that allow you to purchase Exchange coverage with financial subsidies in the form of instant tax credits. For example, if you lose your work benefits at any time of the year, you can shop and purchase for a policy. Also, if you move to a different service area, or reach age 26 while covered under a parent's policy, you have approximately 60 days to choose a plan. There will be no medical questions asked.
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There are no medical questions to answer and you can quickly view your best options in the different Metal tiers. The enrollment process is quick, and typically takes less than 20 minutes. Each year, a new OE period begins. Both individual and family coverage is offered. Small business owners can apply for plans under the SHOP Exchange .
The Alabama Department Of Insurance helps regulate companies and assists consumers with understanding various regulations and requirements in the state. The study and approval of rate increases is also part of their work. Financial ratings of carriers licensed to do health insurance business in the state can also be viewed. Each year, selected plans change, and carriers may enter or leave the market.
Affordable BCBS plan options include:
Blue Saver Bronze
Blue Cross Select Silver
Blue HSA Bronze
Blue Value Gold
Blue Value Silver
Blue Cross Select Gold
You may also be eligible for Medicare if you are age 65 or older. Supplement and Medigap plans will often reduce out-of-pocket costs. Part D prescription drug plans are also offered. Compare all plans with an experienced broker before purchasing. Medicaid benefits are offered to low-income households, depending on your Federal Poverty Level (FPL). Prices of coverage are extremely low.
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