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Employed and Uninsured

If I cannot afford to participate in my employer's health insurance plan, are there other options for getting health insurance?

  • 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.

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