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Short-term health insurance in Alabama

Alabama defaults to the federal regulations for short-term health plans

Buying a short-term health plan in Alabama

Alabama defaults to federal short-term regulations

Alabama does not have state-specific regulations for short-term health insurance plans, so the state defaults to the federal regulations. Because Alabama does not limit short-term plans, the Trump Administration’s new regulations apply in the state.

Short-term plan duration: up to 36 months

Prior to October 2, 2018, federal rules limited short-term health plans to three months in duration, and prohibited renewal. But the Trump Administration has relaxed those rules.

As of October 2018, insurers are allowed to offer short-term plans with initial terms up to 364 days and the option to renew for a total duration of up to 36 months. But insurers also have the option to offer shorter maximum terms and to prohibit renewal.

Which insurers offer short-term plans in Alabama?

  • Everest Prime
  • Golden Rule (UnitedHealthcare)
  • Independence American Life
  • LifeShield
  • National General
  • Companion Life
  • Standard Life

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

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