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Obamacare in Alabama

The Affordable Care Act, commonly called Obamacare, has assisted Alabama residents with quality health care coverage. As of Feb. 22, 171,641 residents participated or were reenrolled in health insurance coverage using the Health Insurance Marketplace. Across the U.S., over 11 million people selected a plan and began enjoying medical benefits. Approximately 89 percent of the consumers who signed up for affordable health care were qualified for an average of $266 per month in subsidies, and many ended up paying less than $100 for quality health care. To find out more information about affordable health care in Alabama, take a look at the sections below:

  • Did Alabama accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Alabama?
  • Eligibility for Obamacare in Alabama
  • How to apply for Obamacare in Alabama
  • Health plan cost and availability in Alabama

 Did Alabama accept the ACA Medicaid expansion?

What is the expansion of Medicaid? In those states that accepted the Affordable Care Act Medicaid expansion, families who fall 133 percent below the federal poverty line are afforded free health care with no out-of-pocket costs. However, states such as Alabama, have opted to adopt additional qualifiers, and to charge some out-of-pocket costs to those falling into this category. In Alabama, the ACA Medicaid expansion option was not adopted by the state and local governments, meaning that Alabamians will continue to rely on the same choices when it comes to health care costs, plans and benefits.

The AL Obamacare Medicaid application is available to all residents of the state and may be applied for from various state and local agencies. Acceptance and benefits are based on income, disability, household size and many other qualifiers. Obamacare Medicaid eligibility in Alabama is largely dependent on which county the applicant resides in and what the average median salary is in the area. While Obamacare Medicaid expansion is not yet available in Alabama, if it were to be implemented, the state projects that nearly 235,000 additional people would be able to receive health care coverage.

Concerning the question, “What is the Obamacare Medicaid expansion?”  it is important to note that the decision to expand the program was made after Congress became aware that, even with the efficacy of the Affordable Care Act, those in the lowest quartile of the U.S. were still unable to afford quality health care. In an effort to compensate for this, an expansion was suggested. The ACA Medicaid expansion cost to states , should they accept the expansion, would be paid by the federal government for the first three years of the program, and then at a rate of 90 percent thereafter. For information on topics other than Obamacare Medicaid expansion details, take a look at the sections below.

Does the state or federal government run the health insurance exchange in Alabama?

If you are wondering,  “What is the health insurance exchange in Alabama?” the Obamacare health insurance exchange is a federally facilitated  and maintained digital marketplace that allows residents in AL to sign up for health insurance plans.  Once logged in to the Obamacare healthcare marketplace, Alabama residents can review the various plans that they qualify for, as well as learn what subsidies they may be able to receive.

The specific answer for, “What is the marketplace for health insurance?” is that it is an online service offering Alabama residents a way to compare and select health care plans that fit into their lifestyle and budget. Health insurance exchange regulations must be followed by the Marketplace’s  participating insurance companies, which means that they will all offer the same subsidies, as designated by the area of the state in which the beneficiary currently resides.

Eligibility for Obamacare in Alabama

If you are wondering, “What  are the requirements to apply for Obamacare in AL?” they are as follows:

  • You must be a resident of the county where you applied.
  • You must be a U.S. citizen.
  • You must provide proof of residency, income and household demographics.

As for who is eligible for Obamacare;, only those who meet the above requirements may apply, and costs for various plans can vary widely from county to county and from state to state. While the exchange is federally managed, it is also monitored and operated as a state-based exchange as well. Currently in Alabama, Blue Cross Blue Shield is the leading health care provider for the state. Those residents who are offered health insurance through their employer have the option of remaining with that plan or adopting a plan from the exchange. This leaves many wondering how to qualify for Obamacare in Alabama if their salaries are not below poverty level. However, when it comes to Obamacare coverage eligibility requirements, there is no need to be concerned, as no one will be turned down for coverage. Obamacare income requirements simply determine the monthly cost of your premium.

How to Apply for Obamacare in Alabama

What is needed to sign up for Obamacare? Residents needing to know how to enroll in Obamacare in Alabama have several options. Many new applicants ask, “Can I apply online for Obamacare?” and the answer is yes. Applicants can apply online through the Health Insurance Marketplace. Additionally, regarding where to apply for Obamacare in AL, applications can also be completed by phone, by mail or with a qualified representative in person.

Potential applicants who would like to know how to get Obamacare must note that, as of November 1st, enrollment will open for AL residents. Many first-time applicants wonder “What do I need to apply for Obamacare in Alabama?” and there are a number of documents that will make the application process easier, including tax returns, pay stubs and policies for current insurance plans. The process for how to apply for Obamacare insurance also requires you to supply information such as your household size and the Social Security Numbers of everyone in your household.

Health Plan Cost and Availability in Alabama

How much does Obamacare cost in AL?  Currently, the average cost of a plan for an individual or a family is dependent on the tier of service selected. Catastrophic, Bronze, Silver and Gold plans offer varying levels of services and coverage, each with varying costs. Obamacare health insurance plans costs are based on a person’s income as well as many other qualifiers. “How much will Obamacare insurance cost me?” many new applicants ask.  In Alabama, the average premium for the Silver plan for a 30-year-old making $32,000 a year would be $288. Bronze plans, based on the same criteria, would cost, on average, around $206, while those opting for more services in the Gold plan would pay approximately $312. Catastrophic insurance premiums were the lowest, at around $188. The Marketplace, as well as any qualified assister, can help in determining specific Obamacare health insurance plan costs in Alabama for each applicant, based on his or her personal information and circumstances.