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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics


Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Medicare in Alabama

Medicare Alabama

Key Takeaways

Medicare Alabama

Medicare enrollment in Alabama

When it comes to determining which Medicare coverage is right for your situation, there’s a long list of factors that you can and should consider.
As of March 2023, there were 1,090,840 people enrolled in Medicare in Alabama.8 That’s more than 21% of the state’s total population, compared with about 18% of the United States population enrolled in Medicare.9 Alabama’s higher-than-average Medicare enrollment is due in part to the fact that a higher-than-average number of people under the age of 65 are enrolled in Medicare in Alabama.

Medicare covers most people who are age 65 or older, and it also covers disabled individuals under the age of 65. Nationwide, almost 88% of Medicare beneficiaries are eligible due to their age, and the remaining 12% are eligible due to a disability.10 But in Alabama in 2021, nearly 22% of Medicare beneficiaries were under age 65.11 (Individuals under age 65 with a disability automatically get Part A and Part B after receiving disability benefits from Social Security or certain disability benefits from the federal Railroad Retirement Board for 24 months. Individuals’ eligibility can be due to ALS or end-stage kidney disease as well.)12

Learn how Alabama Medicaid can provide financial assistance to Medicare beneficiaries with limited income and assets.


Explore our other comprehensive guides to coverage in Alabama


Frequently asked questions about Medicare in Alabama

Frequently asked questions about Medicare in Alabama

What is Medicare Advantage?

Medicare Advantage is an alternative to Original Medicare, provided by private insurers instead of directly by the federal government. It covers all of the benefits of Original Medicare (ie, hospital care and medical/physician care), albeit with different out-of-pocket costs and access to medical providers.

And most Medicare Advantage plans also provide helpful additional healthcare benefits, such as Medicare Part D coverage for prescription drugs, plus extras like dental and vision coverage. But provider networks tend to be much more limited and localized with Medicare Advantage, unlike Original Medicare’s nationwide access to providers. There are pros and cons to either option.

Fifty-one percent of Alabama Medicare beneficiaries were enrolled in private Medicare Advantage and other health plans in 2021.13 Nationwide, the average was 43%.13 The remaining 49% of the state’s Medicare beneficiaries had opted instead for coverage under Original Medicare.13 But by mid-2022, 57% of the people with Medicare in Alabama were enrolled in private plans (ie, Medicare Advantage, as opposed to Original Medicare).14 The increase in Medicare Advantage enrollment has been a steady trend in most states over the last several years; nationwide, about 48% of Medicare beneficiaries had Advantage plans as of 2022.14

The availability of Medicare Advantage plans depends on where a person lives. In Alabama in 2023, the number of Medicare Advantage plans available can range up to 108 plans, depending on the county.3 It’s not a coincidence that the most populated counties have a higher number of available plans, as insurer service areas tend to be concentrated in areas where there is a large population.

Medicare Advantage enrollment is available when a person is first eligible for Medicare, and there’s also an annual window each fall called the Annual Election Period (AEP), from October 15 to December 7. During this window, Medicare beneficiaries can switch from one Medicare Advantage plan to another, or from Medicare Advantage to Original Medicare or vice versa (note that there is no annual enrollment window for Medigap plans; medical underwriting is necessary in most cases in order to enroll in a Medigap plan after a person’s initial enrollment window).

There’s also a Medicare Advantage open enrollment period (January 1 to March 31) during which people who are already enrolled in Medicare Advantage plans can switch to a different Medicare Advantage plan or drop their Medicare Advantage plans and enroll in Original Medicare instead.

What are Medigap plans?

Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket healthcare costs (for coinsurance and deductibles) that people would otherwise incur if they only had Original Medicare on its own.

According to Medicare’s plan finder tool, there are 38 insurers that offer Medigap plans in Alabama as of 2023.6

Medigap plans are standardized under federal rules, and people are granted a six-month window, when they turn 65 and enroll in Original Medicare, during which coverage is guaranteed issue for Medigap plans, and insurers can’t use medical underwriting to determine eligibility or premiums. Federal rules do not, however, guarantee access to a Medigap plan if you’re under 65 and eligible for Medicare as a result of a disability.

The majority of the states have adopted rules to ensure at least some access to Medigap plans for enrollees under the age of 65, but Alabama is not among them. In Alabama, Medicare beneficiaries who are under 65 can apply for a Medigap plan, but coverage is not guaranteed issue and insurers can use medical underwriting to determine whether to issue a policy and at what price.

There are two insurers in Alabama that offer Medigap plans to enrollees who are under age 65.6 They offer just a few plan options, with premiums are substantially higher than premiums for similar plans for a person who is 65.

A person who has Medicare prior to age 65 as a result of a disability does qualify for an open enrollment period, upon turning age 65, during which they can select any Medigap plan, guaranteed-issue, from any insurer offering plans in their area.

People under age 65 who are eligible for Medicare also have the option of enrolling, with standard premiums, in a Medicare Advantage plan. This now includes people with end-stage renal disease, who were ineligible to join most Medicare Advantage plans prior to 2021.

What is Medicare Part D?

Original Medicare does not cover outpatient prescription drugs. But Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Medicare Part D plan.

As of March 2023, there were more than 839,000 Medicare beneficiaries in Alabama who were enrolled in Medicare Part D coverage. The majority, more than 592,000, had coverage under a Medicare Advantage plan with integrated Part D coverage. Another 247,000 had stand-alone Part D plans.8

For 2023 coverage, there are 24 stand-alone Part D plans available in Alabama, with premiums starting at $7.40 per month.3

Medicare Part D enrollment is available when a beneficiary is first eligible for Medicare, and also during the annual open enrollment period in the fall (October 15 – December 7; the same enrollment window that applies to Medicare Advantage plans). This window is an opportunity for Medicare beneficiaries to change their Part D coverage, with any plan changes taking effect January 1 of the coming year.

How does Medicaid provide financial assistance to Medicare beneficiaries in Alabama?

Many Medicare beneficiaries receive assistance through Medicaid with the cost of Medicare premiums, prescription drug expenses, and services not covered by Medicare – such as long-term care.

Our guide to financial assistance for Medicare enrollees in Alabama includes overviews of these programs, including long-term care benefits, Medicare Savings Programs, and eligibility guidelines for assistance.

What additional help is available for Medicare in Alabama?

If you have questions about filing for Medicare benefits in Alabama, Medicare eligibility in Alabama, or Medicare enrollment in Alabama, you can contact the Alabama State Health Insurance Assistance Program.

You can also reach out to the Alabama Department of Insurance for assistance with Medigap plans in Alabama. The Department of Insurance also oversees the agents and brokers who offer health coverage in Alabama, and can provide assistance and information in a variety of health coverage situations.

The Medicare Rights Center is an excellent resource, as is

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



  1. U.S. Census Bureau Quick Facts: Alabama, July 1, 2022. 
  2. Fuglesten Biniek, Jeannie, Meredith Freed, Anthony Damico, and Tricia Neuman. “Medicare Advantage in 2022: Enrollment Update and Key Trends.” Kaiser Family Foundation, August 25, 2022. 
  3. Fact Sheet – Centers for Medicare & Medicaid Services | Centers for Medicare & Medicaid Services. September 29, 2022.   
  4. Get Ready to Buy.” Accessed June 28, 2023. 
  5. Alabama Department of Insurance.” ALDOI. Accessed June 30, 2023. 
  6. Find a Medicare plan. Accessed June 28, 2023.    
  7. Medicare Beneficiaries Enrolled in Part D Coverage.” Kaiser Family Foundation, August 3, 2022. 
  8. Medicare Monthly Eligibility.” Centers for Medicare & Medicaid Services Data. Accessed June 28, 2023.  
  9. U.S. health care coverage and spending – federation of American scientists.” Congressional Research Service. February 6, 2023. 
  10. Quick Guide to Recent Changes to Medicare.” Administration for Community Living, April 20, 2023. 
  11. Medicare Open Enrollment Ends Soon.” Alabama Department of Senior Services, November 30, 2022. 
  12. Medicare and You 2023” Centers for Medicare & Medicaid Services. December, 2022. 
  13. Total Number of Medicare Beneficiaries by Type of Coverage.” Kaiser Family Foundation, May 4, 2023.   
  14. Fuglesten Biniek, Jeannie, Meredith Freed, Anthony Damico, and Tricia Neuman. “Medicare Advantage in 2022: Enrollment Update and Key Trends.” Kaiser Family Foundation, August 25, 2022.