Employed and Uninsured

What options do I have if my employer does not offer health insurance?

• The state of Alabama offers several low- or no-cost health insurance programs to eligible residents and their families. Eligibility is usually based on income, age, disability, and health status. Go to Low- or No-Cost health insurance Options to learn more about these health insurance programs.
• If you do not qualify for low- or no-cost health insurance programs, 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.
• If you were enrolled in your previous employer's group health insurance plan you may be able to keep this health insurance, but you will have to pay more for it. To learn more about this option read the AHIP and COBRA tipsheet.
  • Go to Alabama Health Plans to find an insurance company that may offer HDHPs or other affordable health plans in your community.