Recent High School or College
Graduate
Permanent Individual Insurance
Individual policies are usually more expensive
than student or short-term plans and can be more expensive than COBRA or
university extensions. However, they are good options if you have a
pre-existing condition or if you plan to work as a freelancer or
entrepreneur.
Unlike temporary insurance, permanent insurance plans
accept so-called HIPPA forms, which under federal law limit exclusions for
pre-existing conditions by new plans purchased
within 63 days of when an old plan expires. Students must have been on their
old plan for at least 1 year to request a HIPPA form.
The availability of health insurance plans that sell policies directly to
individuals varies across Alabama counties. Visit the Alabama Health Plans for a list of authorized health
plans in Alabama.
Remember that if you are self-employed, there are tax
savings benefits for having health insurance.
Visit I Am Self Employed for more information.
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