Employed and Uninsured
If I cannot afford to participate in my employer's
health insurance plan, are there other options for getting health
- Ask your employer whether health savings accounts
(HSAs), Health reimbursement accounts (HRAs), and
flexible spending accounts (FSAs) are available.
These health benefits allow employees to create savings accounts using pre-tax
payroll deductions that can be used to pay for medical expenses such as visits
to the doctor or hospital emergency room, prescriptions, and dental and eye
care. Each type of account has different rules and restrictions, so be sure to
understand which one(s) your employer offers and its requirements.
- Also, several low- or no-cost health insurance programs are available to eligible
residents and their families through the state of Alabama. Eligibility is
usually based on income, age, disability, and health status. Go to
Low- or No-Cost Health Insurance Options for
Alabama Residents to learn more about these optional health insurance programs.
- If you choose not to participate in your employer's
health insurance benefit and do not qualify for
a low- or no-cost health insurance program for Alabama residents, you may want
to consider purchasing a high-deductible health plan (HDHP). HDHPs are
sometimes referred to as "catastrophic" health insurance plans. After you meet the deductible, the health plan pays the
additional health care costs incurred.