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Associations</a> </td> </tr> <tr bgcolor="#ffffff" valign="middle"> <td width="10" valign="TOP" align="LEFT"> <img src="images/bullet_left.gif" width="10" height="8" vspace="3" alt=" "> </td> <td valign="TOP" align="LEFT"> <a class="sidenav" href="statewide_lowcost.htm">Low- or No-Cost Health Insurance Programs</a> </td> </tr> <tr bgcolor="#ffffff" valign="middle"> <td width="10" valign="TOP" align="LEFT"> <img src="images/bullet_left.gif" width="10" height="8" vspace="3" alt=" "> </td> <td valign="TOP" align="LEFT"> <a class="sidenav" href="consumer_info.htm">Consumer Health Insurance Information</a> </td> </tr> <tr bgcolor="#ffffff" valign="middle"> <td colspan="2" valign="TOP" align="LEFT" class="sidenav2td"> <a class="sidenav2" href="webtools.htm">HELPFUL WEB TOOLS</a> </td> </tr> <tr bgcolor="#ffffff" valign="middle"> <td width="10" valign="TOP" align="LEFT"> <img src="images/bullet_left.gif" width="10" height="8" vspace="3" alt=" "> </td> <td valign="TOP" align="LEFT"> <a class="sidenav" href="glossary.htm">Glossary</a> </td> </tr> <tr bgcolor="#ffffff" valign="middle"> <td width="10" valign="TOP" align="LEFT"> <img src="images/bullet_left.gif" width="10" height="8" vspace="3" alt=" "> </td> <td valign="TOP" align="LEFT"> <a class="sidenav" href="calculator.htm">Tax Savings Benefits Calculator for Employees</a> </td> </tr> <tr bgcolor="#ffffff" valign="middle"> <td width="10" valign="TOP" align="LEFT"> <img src="images/bullet_left.gif" width="10" height="8" vspace="3" alt=" "> </td> <td valign="TOP" align="LEFT"> <a class="sidenav" href="ts_checklist.htm">Tipsheets</a> </td> </tr> <tr> <td colspan="2" valign="TOP" align="LEFT"> <img src="images/spacer.gif" height="25" width="1" alt=" "> </td> </tr> </table> <!-- end left nav --> </td> <td align="left" valign="top"> </td> <td colspan="2" align="left" valign="top"> <h1> <a name="content"></a>WELCOME!</h1> </td> </tr> <tr valign="TOP"> <td align="left" valign="top" width="10"> <img src="images/spacer.gif" width="10" height="1" border="0" alt=" "> </td> <td width="484" align="left" valign="top"> <p> As a parent or guardian, having <a class="glos" href="JavaScript:newWin('glos.htm#healthinsurance')"> health insurance</a> for yourself and your children means having peace of mind and greater access to health care services.</p> <p> As an employer, offering <a class="glos" href="JavaScript:newWin('glos.htm#healthinsurance')"> health insurance</a> to your employees means attracting and retaining quality employees, gaining tax advantages, increasing productivity, and ensuring the wellness of your workforce.</p> <p> As an employee, participating in an employer-sponsored <a class="glos" href="JavaScript:newWin('glos.htm#healthinsurance')"> health insurance</a> plan means pre-tax savings in every paycheck and access to medical care at more reasonable costs than individual health plans.</p> <p> Regardless of your circumstances, you&#146;ve come to the right place to begin learning how you can get <a class="glos" href="JavaScript:newWin('glos.htm#healthinsurance')"> health insurance</a> or offer health care coverage to your employees! To get started, just click on the section on the left that best describes your situation.</p> <p> Have questions? <a href="contact.htm">Contact us</a>! It&#146;s free. It&#146;s confidential. And we&#146;ll be happy to help.<br> <br> <br> </p> <br> <h1> HEALTH CARE REFORM</h1> <br /> <p> On March 23, 2010, the Affordable Care Act (ACA) also known as the Patient Protection and Affordable Care Act (PPACA) became effective. The ACA made far-reaching changes in the financing and delivery of health care coverage. It put in place comprehensive health insurance reforms that will hold insurance companies more accountable, lower health care costs, guarantee more health care choices, and enhance the quality of health care for all Americans. Before making any decision regarding the purchasing of health insurance, and to learn more about health care reform under the ACA, please<a href="http://www.aldoi.gov/Consumers/HealthInsReform.aspx">CLICK HERE</a> </p> </td> <td width="170" align="left" valign="top"> <div class="left"> <img src="images/RightBox_index.gif" alt="Helpful web tools" width="170" height="216" border="0" usemap="#Map3"></div> </td> </tr> </table> </td> </tr> <tr> <td align="left" valign="top" colspan="2" bgcolor="#BFDEF2"> <!-- start footer --> <table width="100%" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td align="center" valign="top" bgcolor="#007EFF"> <a href="#content"> <img src="images/spacer.gif" width="10" height="1" border="0" alt="Skip bottom navigation and go back to content"></a> </td> </tr> <tr> <td align="center" valign="top"> <table width="75%"> <tr> <td align="CENTER"> <span class="style2"> <br> <a href="index.htm">Home</a> | <a href="contact.htm">Contact Us</a> | <a href="aboutus.htm"> About Us</a> | <a href="http://alabama.google.nicusa.com/search?q=&btnG=alabama.gov+Search&entqr=0&output=xml_no_dtd&sort=date%3AD%3AL%3Ad1&ie=UTF-8&btnG.y=13&client=alabama_gov&btnG.x=13&ud=1&site=alabama_gov&oe=UTF-8&proxystylesheet=alabama_gov"> Search</a> | <a href="calculator.htm">Health Benefits Tax Savings Calculator for Employees</a><br> <a href="saquiz.htm">What Health Insurance is Right for Me</a> | <a href="employer.htm"> Employers</a> | <a href="family.htm">Individuals/Families</a> | <a href="resource.htm"> Resources</a><br> <br> <a href="disclaimer.htm">Disclaimer</a><br> Copyright &copy; 2006-2007 HealthInsurance.Alabama.Gov &reg;. 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