Overview
Alabama residents have access to short-term health insurance plans with maximum durations of 364 days. These plans are not renewable, but they can provide temporary coverage for individuals between jobs or during other transitional periods.
Key Fact: Alabama allows short-term plans up to 364 days with no renewal option.
Coverage Options & Alternatives
- Plans available up to 364 days of coverage
- Renewable: No
- Premium range: $120-$350
- Average deductible: $2,500-$5,000
- No coverage for pre-existing conditions
- Not ACA compliant (does not cover essential health benefits)
Available Providers
UnitedHealthcare, Blue Cross Blue Shield, Humana, Cigna
Eligibility Requirements
- Must be under 65 years old (Medicare ineligible)
- Cannot be enrolled in Medicaid
- Must pass medical underwriting (pre-existing conditions may affect eligibility)
- Available year-round (not limited to open enrollment periods)
Cost Information
Monthly premiums in Alabama typically range from $120-$350, depending on age, location, and plan features.
Detailed Eligibility Rules
📋 Available Health Insurance Plans in Alabama
Data Source: Theme Static Data (API unavailable) | ● Local DB Data
| Plan Name | Issuer | Metal Level | Deductible | Max OOP |
|---|---|---|---|---|
| UnitedHealthcare Basic Plan | UnitedHealthcare | Short-Term | $5,000 | See plan details |
| Blue Cross Blue Shield Standard Plan | Blue Cross Blue Shield | Short-Term | $2,500 | See plan details |
| Humana Premium Plan | Humana | Short-Term | $1,000 | See plan details |
📈 Health Insurance Cost Trends
Data Source: Estimated trend data (BLS API unavailable) | ● Local DB Data
Health Insurance CPI Annual Change: +4.9%
| Year | Medical Care CPI | Health Insurance CPI |
|---|---|---|
| 2023 | 578.3 | 553.5 |
| 2024 | 598.7 | 582.1 |
| 2025 | 619.2 | 610.8 |
Disclaimer: This information is for reference only and may not reflect the most current regulations. Short-term health insurance does not meet ACA requirements and may have coverage limitations. Consult a licensed insurance agent for personalized advice.