Save Hundreds with Subsidies in Alabama.
While Open Enrollment is over, your chance to get 2019 coverage isn’t over yet. Had a big change in your life, like losing a job or getting married (or divorced)? See if you qualify for Individual & Family health insurance with a Special Enrollment. And learn how to get financial assistance for that new health plan. We want to help you save real money by connecting you to the right people, online tools, and health plans.
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Probably in Alabama. Thanks to the ACA, known as Obamacare, everyone is now eligible for health insurance, including Alabama residents. This means your monthly premiums can be dramatically reduced. For example, if your household income was $20,780 to $83,120 for a family of three in 2018, you will likely receive a premium tax credit to lower your insurance costs.
Our subsidized plans are available here and directly on Healthcare.gov .
In the Individual & Family health insurance Marketplace, or exchange, the federal government provides these subsidies to keep your costs affordable from year to year. As market costs adjust annually, so do the savings opportunities. That means when premiums go up, so does the available assistance to help cover them. You can think of it as a built-in safety net that flexes to keep your healthcare costs budget-friendly.
Depending on your household income level, you may be eligible for health insurance subsidies based on:
Federal subsidies are Advance Premium Tax Credits (APTC) and are not available to people eligible for Medicaid or Medicare or who have affordable coverage through an employer. Alabama uses the federally-facilitated marketplace (FFM), or Healthcare.gov , to pass along savings. This is where Bright Health is sold with federal subsidies that reduce your monthly health insurance premiums. If you have more questions, don't worry - we can help you determine whether you qualify.
Call us or try our subsidy calculator to see if you qualify for financial assistance. Then you can shop for our plans, get a quote and buy a plan online, over the phone, or in-person. We have lots of ways to assist you. Bright Health is trying to make the process of buying our insurance and get financial assistance as simple as possible for you. We know that this isn’t easy.
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Data based on 2017-2018 information.
The “Affordable Care Act” refers to the law that provides numerous rights and protections that make health coverage more fair and easy to understand, along with subsidies, making it more affordable. It’s sometimes known as “PPACA,” “ACA,” or “Obamacare.” The law also established exchanges or marketplaces where you can see if you qualify to receive tax credits and cost sharing, shop for plans, and get help.
If you meet income-level qualifications, you may be eligible for cost-sharing reductions (CSR) on Silver-level plans only (The ACA marketplace uses metal tiers to describe plans, such as Gold, Silver, and Bronze.). With CSR plans, the government will help you out as your medical expenses grow. Specifically, the government subsidizes reductions of the maximum out-of-pocket limit as well as possible reductions in deductibles, coinsurance, or copayments.
Qualified Health Plans (QHP) are major medical plans that meet the requirement outlined in the Affordable Care Act (ACA), or Obamacare. These are the only plans that subsidies can be used with. QHPs are insurance plans that are certified by the government and provide essential health benefits (EHBs).
These are the 10 Essential Health Benefits categories :