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For Individuals

We offer many individual health plans options to select from. We offer plans that are customized to suit your budget and needs. You can choose from a pool of affordable insurance options from top carriers in the country. With individual insurance, you can access preventative health care and save money on prescriptions and doctor’s visits. Get a customized individual health insurance plan in just a few clicks!

For Families

Finding the right insurance for your family is one of the most important decisions you can make. We offer a wide range of affordable insurance plans from leading insurance firms from which you can choose. Finding the ideal family insurance plan for your loved ones does not have to be complicated. We offer customized quotes that suit your family needs and budget. Fill in the form to get your customized quote!

For Groups

Health Insurance Plans offers a wide array of group health insurance options for both small and large companies. We customize our products to meet the needs of your business and help you find an insurance plan that is both cost effective and prioritizes the wellbeing of your employees. Make the most of the numerous, affordable and top group health insurance plans. Get your quote from Health Insurance today!

Best Cheap Health Insurance in Alabama

Identifying the Best Affordable Health Insurance in Alabama

Quotes are available online, but you need to know how to identify the best health insurance providers.

If you need to get health insurance affordably and quickly, it’s good to get online quotes from top-rated companies. But how do you know which providers give affordable health insurance in Alabama? Health Insurance Plans compared top-rated health insurance companies to aid you to get the best deal on coverage for yourself and your family.

What is Health Insurance?

Health insurance assists protect you financially in case of illness or injury. Several health insurance companies in Alabama give affordable health insurance. Some inhabitants obtain health insurance through their work, while others elect to participate in state exchanges or buy an individual or family policy.

You’ll likely come across various terms that have to do with coverage. It’s critical to know what these terms mean since they’ll discover how much you’re expected to pay and how much your insurance company covers.

  • Premium Fee that you pay every month to the insurance company to keep your policy active.
  • Deductible This is the cash that you have to pay first before insurance kicks in. Some policies have high deductibles but low premiums and vice versa.
  • Copay  This is a small quantity of money paid to your doctor or specialist when you visit. It does not include your deductible.
  • Coinsurance This is a percentage that you and your insurance pay when you get surgery or treatment. You might see this transcribed as 80/20, which the insurance pays 80% of the total, and you pay 20%.

Average Cost of Health Insurance in Alabama

Alabama residents pay an aggregate of $1,510 per month in coverage. Unlike auto insurance, health insurance doesn’t have a type of discount available, but there are some things that you can do to enhance and lower your insurance prices.

  • Maintain a healthy body mass index (BMI) A high body mass index can lead to difficulties later in life, including diabetes, heart disease, and high blood pressure. Taking steps to lose weight and eat healthily can help you maintain a healthy BMI.
  • Quit using tobacco Nearly 22% of people in Alabama smoke. Smokers pay higher insurance rates, so it’s a good idea to stop smoking, and if you don’t smoke, don’t start.

Types of Health Coverage

There are different types of health insurance coverage in Alabama. Here are the most popular:

Types of Health Insurance in Alabama

There are a few popular types of health insurance in Alabama, one of which is HMO.

  • Health Maintenance Organization (HMO) An HMO is a medical network that consists of hospitals, doctors, and specialists that have agreed to participate in the HMO to aid simplify medical costs and treatment. You’ll prefer a primary physician who is responsible for your care. To see a professional, you must have a referral from your primary doctor, and for the cost to be compromised by the HMO, the specialist must also be in the network. As a result of this close-knit healthcare management system, you’ll have very little paperwork to deal with, and you’ll enjoy lower costs. This makes an HMO an excellent choice for cheap health insurance in Alabama.
  • Preferred Provider Organization (PPO) A PPO gives you a more extensive network of doctors and hospitals, and you won’t require a referral from your doctor to see a professional. If you choose to see a doctor outside of the PPO network, you’ll pay more than if you saw one in-network, and you may have to file a claim with the PPO to be compensated for some of the cost. This results in more paperwork and more freedom and flexibility in seeing a doctor or specialist outside your network.
  • Point of Service (POS) Plan A POS plan is like a combination of HMO and PPO plans, and it enables you the freedom to choose your doctor but with a lower amount of paperwork. You may have to pay a part of the bill and file a claim with the POS provider to be reimbursed, but you’ll get the most extensive degree of freedom to see the doctor and specialist that you want.

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What our
Client Think About Us!

The process was easy and seamless. My contact person was very supportive and patient with me. He took time to respond to all my queries, and explained the options at my disposal. I got all the information I needed to choose and sign up for my current insurance plan. I would definitely recommend National Health Connect!
Linet W.