Stats in Your State
To help readers understand how Alabama health insurance plans compare with U.S. averages, we’ve compiled some key facts and statistics that compare rates and enrollment across the Southern states. Read below to see how Alabama stacks up to the neighboring states.
Government outreach in recent years has certainly increased the availability and enrollment of public health care options for Alabama residents. In 2009, 519,672 Alabama children were enrolled in Medicaid and 110,518 children were enrolled in CHIP. The following year, child enrollment in government funded health care increased by over 325,000, to a total of 846,766 children enrolled in Medicaid, and 137,545 children enrolled in CHIP.
Individual Health Insurance Premiums
In 2011, Alabama’s average health insurance costs for employee health plans exceeded the national average by roughly $40 per month. In comparison to its neighbors, Alabama had the second-highest rates among States in the East South Central region.
Family Health Insurance Premiums
Despite its high individual-employee insurance rates, Alabama ranked last in the region and well below the national average for monthly family insurance premium per employee; employers paid $3,560 per month per employee, which is $413 dollars lower than the regional average.
SAHIE Health Insurance Uninsured
According to the U.S. Census Bureau, between 2005 and 2010, over 600,000 Alabama residents went without health insurance on a yearly basis. This illustrates the shocking need for widely-available and affordable health care options for Alabama’s residents.
Rules in Your State
The ins and outs of health care legislation can be tedious at best, and downright confusing at times. To take out the digging and hunting for specific Alabama health care regulations and rules, we’ve listed the two major state regulations pages below.
Alabama Health Insurance Regulations
Regulations for Alabama Insurers: This page provides a list of the statutes and regulations for the insurance industry for all categories, from health to auto, home, and disaster insurance, among others.
Code of Alabama: Health Care Service Plans: Chapter 20 Of Title 10A Article 6, Health Care Services Plans
Chapter 20 of the Code of Alabama addresses health insurance plans and the rules governing how insurers must operate and treat their consumers.
Representatives & Resources in Your State
The world of health insurance is a seemingly ever-changing landscape or new rules, laws, and regulations for the health care industry. Fortunately, understanding and navigating this territory is made easy with all the consumer resources in one place. Visit the links below to find more assistance with claims, choosing insurers, and making the most of your coverage.
Alabama Department of Insurance
P O Box 303351
Montgomery, AL 36130-3351
Contact Information for ADOI
ADOI: Consumer Complaint Resource
When you need to file a complaint or seek assistance with a difficult issue or claim, visit the Department of Insurance complaint page to have the organization check up on your insurer’s practices.
ADOI: General Tips When Shopping For Insurance
This page covers general strategies applying to insurance of all types, and is a good resource for understanding how insurance works in Alabama and how to shop for different types of insurance policies to meet your needs.
Alabama Department of Human Resources (ADHR)
Center for Communications
Gordon Persons Building, Suite 2104
50 North Ripley Street
Montgomery, AL 36130
ADHR Contact Information
The Department of Human Resources provides welfare services and protective services for children and special-needs adults, to ensure the safety and welfare of Alabama residents.
Alabama Department of Public Health
P.O. Box 303017
Montgomery, AL 36130-3017
All Kids: Alabama Children’s Health Insurance Program
The Department of Public Health and the All Kids program aim to provide health insurance to Alabama’s youth through this government funded health care program. If your child is in need of health insurance coverage, check through the All Kids page to find out how to apply and get coverage for your child.
The Affordable Care Act (ACA)
The Affordable Care Act, which is often called Obamacare, addresses health care reform and affects nearly every American health insurance policy in some way. Go to Healthcare.gov to get information about how the Affordable Care Act is affecting Alabama residents and their health insurance.