COBRA Insurance and Low Cost Alternatives in Alabama

COBRA Insurance and Low Cost Alternatives in Alabama

COBRA Insurance and Low Cost Alternatives in Alabama

How COBRA Works

The cost of what your COBRA monthly premium will be is 102% of the total cost of the health insurance plan. That amount reflects any portion you were paying, what your employer was paying for you, and a 2% administrative fee. If you find that you cannot afford the high rate, you should consider other options, so you can find a plan that fits your budget.

COBRA Insurance Alternatives in Alabama

In Alabama, many people find COBRA insurance rates are too expensive. The good news is that our team of experts can help you find health insurance plans that you can afford. Within minutes they can help match you to a plan that will not only fit your budget, but will provide you with the coverage you need. Here are some of the of  COBRA insurance alternatives in Alabama:

  • Short Term Insurance. These are short term health plans that will fill in the gap in between jobs. They can go for as little as 30 days, or for as long as a year. They provide an affordable route to ensuring you have health insurance.
  • Indemnity Plans. These plans, which are also called fee-for-service, have a deductible you need to meet and then they help pay for your healthcare. They allow you to go to any doctor you want, including specialists.
  • Associate Plans. These plans are designed for groups of people to come together so they can get more affordable health insurance rates. They are ideal for groups, such as those who are self employed, artists, or freelancers.

Help Finding Affordable Health Insurance in Alabama

Those looking for affordable health insurance in Alabama may find that it’s a frustrating process. Our team of experts simplifies the process. They can gather the necessary information to determine what type of coverage you need and what you can afford, and then find the right health insurance plan for you. They will quickly find you a plan that meets your budget and will provide you with all the coverage you need. We make finding COBRA insurance alternatives in Alabama simple. Contact us today for a free quote!

COBRA Insurance in Alabama

The Consolidated Omnibus Budget Reconciliation Act (COBRA) was enacted in 1985. The law ensures that those who lose their job or have their hours reduced won’t lose their health insurance. It doesn’t matter if the person quit, was fired, or if they have been given less hours, they may still qualify to keep their insurance.

COBRA insurance is available for those living in Alabama. If you have lost your job, whether voluntarily or not, or your hours have been cut, you may qualify for COBRA insurance. It is a federal law that allows you to keep your health insurance, as long as you absorb the cost of the whole plan. When people learn what the rates are for COBRA insurance in Alabama, they often find that it’s too expensive. It’s a good idea to know about the alternative health insurance programs that are available.

There are qualifications for COBRA that have to be met, including that you had to have been working for a company that had at least 20 employees. Plus, the employer would have had to have been giving you health insurance. Whether or not you meet that criteria, we can help you find affordable health insurance plans.

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