Individual Health Insurance in Alabama (AL)
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More than 4.5 million Americans call Alabama home. Every year, 59,500 babies are added to the state's population. Unfortunately, 672,000 Alabamans are uninsured. That is 16 percent of the state! With the wide range of health insurance policies available, there's no need for anyone to be without health insurance.
Alabama Health Facts and Issues
In keeping with the national average, 16 percent of Alabama's mothers-to-be do not receive any prenatal care during the course of their pregnancy. As a result, about 10 percent of all new babies in Alabama have a low birth weight. Sixteen percent are born prematurely. Up until the age of 3 years, children require a number of immunizations in order to stay healthy and protect against disease, yet about 15 percent of Alabama's children receive no immunizations or insufficient immunizations during this time.
As they grow, 17 percent of Alabama's children are overweight and only 59 percent were privileged with a visit to both the dentist and a primary care physician last year.
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Affordable Health Insurance in Alabama
For every 100,000 Alabamans, it is estimated that 438 people are diagnosed with cancer, 22 percent are disabled and 10 percent of the population is diagnosed with diabetes in their lifetime. Each year, for every group of 100,000 people in Alabama, 65 die from stroke, 28 die from Alzheimer's disease and 282 people die from heart disease. Now more than ever, it is essential that those who are unemployed, self-employed or covered by a policy that is not comprehensive enough to cover the healthcare they need, step up and choose a health insurance policy that not only protects your family but your bank account as well.
Alabama Health Insurance Laws
Alabama law allows insurance companies to turn you down for coverage. Pre-existing conditions can be excluded from coverage, but not for a period longer than 24 months. There are no regulations which limit premium prices. The criteria for determining premiums are as follows: medical care costs, coverage, age, general health, habits (smoking, drinking alcohol), geographic location and optional premium waivers.
Alabama Individual Health Insurance Companies
American Medical Security
Assurant Health
Celtic
Fairmont Specialty Group
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