If you’re looking for health insurance that can cover your costs during an emergency or a period of transition, short-term health insurance in Alabama might be the answer. With an average cost of $183 per month in Alabama,** short-term plans can be easier on your pocketbook. Also, these plans now have fewer restrictions than ever regarding how long you can keep this type of coverage.1
Temporary health insurance can be a cost-effective, practical coverage solution in-between jobs or simply if you missed the Alabama Open Enrollment Period for health coverage. But you need to understand this type of coverage before you buy, or you could have unexpected out-of-pocket costs.
The most important thing to be aware of is that short-term plans do not provide fully comprehensive coverage. There are limited benefits, and you could be denied coverage if you have pre-existing conditions.2 But if you’re healthy and on a budget, short-term insurance can be a good choice.
Can I Buy Short-Term Health Insurance in Alabama?Yes, you can buy short-term health insurance plans in Alabama (with durations from as little as one month to 36 months).3 If you’re among the 10% of Alabama residents without health insurance,4 a short-term plan can be a good first step to getting coverage.
Will Short-Term Health Insurance Work for Me?Short-term health insurance is an option that can provide minimum coverage in case of an emergency or unexpected loss of coverage, but it may not be the preferred choice if you need frequent, routine care. Individual plans sold on the health insurance exchange (sometimes called Affordable Care Act plans) provide comprehensive coverage to everyone, without consideration of race, color, national origin, sex, age, or disability.5
Which insurance plan will work for you? It depends on what you’re looking for. Whether a short-term plan or a health insurance plan from the insurance marketplace in Alabama is right for you, HealthMarkets can assess your needs and situation and recommend a plan at no cost to you.
How to Apply for an Alabama Short-Term Health Insurance PlanHealthMarkets can help you apply for Alabama short-term health plans online. Start by comparing plans from nationally recognized insurance companies, then apply online. You could get coverage as soon as the next day after applying.2
1.Congressional Budget Office. September 25, 2020. Retrieved from https://www.cbo.gov/publication/56622 | 2.UH. Retrieved from https://www.uhone.com/health-insurance/short-term-health-insurance Accessed January 22, 2021 | 3.Center on Budget and Policy Priorities. October 23, 2020. Retrieved from https://www.cbpp.org/state-limitations-on-short-term-health-insurance-plans-october-2020 | 4.Advance Local . March 1, 2020. Retrieved from https://www.al.com/news/2020/03/one-in-10-alabamians-are-without-health-insurance-but-rates-vary-by-county.html | 5.HHS.gov. November 19, 2020. Retrieved from https://www.hhs.gov/civil-rights/for-individuals/section-1557/index.html
**Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Birmingham, AL.
"Minimum Essential Coverage" as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state.