Alabama Health Insurance Plan (AHIP)

→ Click here to view an Enrollment Form

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from a high-risk pool plan known as the Alabama Health Insurance Plan (AHIP). Note:

• AHIP prohibits pre-existing condition exclusion periods and elimination riders
• AHIP is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Alabama, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does AHIP coverage cost?

Alabama charges different rates based on the plan chosen, geographic area of residence, age and gender. Under Alabama law, the premium is capped at 200 percent of the market rate for comparable coverage. Click here to be taken to a new page that will calculate your premium in Alabama.

Alabama Health Insurance Plan Highlights

AHIP offers two coverage options:

1. PPO plan from United Healthcare; or
2. Indemnity plan from Blue Cross of Alabama

Benefits for hospitalization, physician care and prescription drugs are included in both plans.

How can I learn more about AHIP?

Visit their website at http://www.aldoi.org/ or call them at (877) 619-2447.

Special Insurance for Children: ALL Kids

Blue Cross Blue Shield of Alabama provides guaranteed issue medical coverage for children 18 years old and younger.

• To learn more, visit Eligibility & Benefits.
• Questions? Visit FAQS, or call (888) 373-5437.