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"Health insurance is a luxury I can’t afford on my own. I need help and am not exactly sure where to get it. I don’t know what government programs out there I would qualify for."

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Health insurance helps you and your family access the health care you need, when you need it, and without causing financial stress or hardships. If you currently do not have health insurance because you are unemployed or are employed but cannot afford your employer’s health insurance plan, you may qualify for one or more of the following health insurance assistance programs.

Eligibility for these programs is usually based on income, age, disability, and health status.

Alabama Breast and Cervical Cancer Treatment Program

The Alabama Breast and Cervical Cancer Treatment Program is designed for women under age 65 who have been diagnosed with breast or cervical cancer through the federally funded Alabama Breast and Cervical Cancer Early Detection Program. Women who are Alabama residents and U.S. citizens and do not have credible health insurance may qualify. For more information regarding the federal screening program, you can call 1-877-252-3324.

Alabama Farmer's Federation/ALFA

The Alabama Farmers Federation/ALFA is a membership-based organization that offers health insurance through its Alfa Health Plan, which is administered by Blue Cross and Blue Shield of Alabama. Membership to AFF is open to anyone living in the state of Alabama. In order to qualify for the Alfa Health Plan, you must be an AFF member, in good health, under age 65, and not eligible for coverage under any Blue Cross and Blue Shield of Alabama group health plan or Medicare. For more information, telephone 334-288-3900 or visit the ALFA web site.

ALL Kids Program

ALL Kids is the Children’s Health Insurance Program offered by the Alabama Department of Public Health for children under age 19. ALL Kids helps families who do not qualify for Medicaid because they make too much money or do not earn enough to get private health insurance or participate in an employer’s health insurance benefit. (Family size and income determine eligibility under ALL Kids.) Applications are available at any county health department or Department of Human Resources office, as well as most hospitals, day care centers, and doctor’s offices. You can also apply online at the ALL Kids web site or call 1-888-373-KIDS to have an application mailed to you.

Health Coverage Tax Credit Program

The Health Coverage Tax Credit (HCTC) is a federal tax credit that pays 65% of qualified health plan premiums for eligible trade-impacted workers and certain Pension Benefit Guaranty Corporation (PBGC) benefit recipients. If you are eligible, HCTC is available to you as a refundable tax credit on your federal tax return and as an advance tax credit claimed monthly to help you pay your health plan premiums as they become due. To learn about the eligibility requirements for HCTC and find out about how you can claim the credit, visit the HCTC resource page on the Internal Revenue Service web site.

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Medicaid

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements. You can apply for Medicaid online or in person at designated Medicaid application offices. For more information, call 1-334-242-5000 or visit the Medicaid web site.

Public Education Employees’ Health Insurance Plan (PEEHIP)

The Retirement Systems of Alabama (RSA) offers the Public Education Employees’ Health Insurance Plan (PEEHIP) to all full-time employees of any public education institute within the state of Alabama and their dependents. Part-time employees and their dependents (who are not substitute or transient employees) are also eligible.

PEEHIP provides financial assistance to qualifying members based on their federal poverty level (FPL). Persons with a combined family income of 200% or less of the amount set in federal poverty guidelines qualify for a PEEHIP FPL Premium Discount on their hospital, medical, or health maintenance organization (HMO) premium. Go to the PEEHIP Family Income Table to find out whether you meet income requirements.

PEEHIP CHIP (Children’s Health Insurance Program) is offered to children of public education employees who qualify for the FPL Premium Discount. The PEEHIP CHIP program is a low copay program for children under the age of 19 who would normally qualify for the PEEHIP Hospital Medical Plan.

PEEHIP CHIP (Children’s Health Insurance Program) is offered to children of public education employees who qualify for the FPL Premium Discount.

For more information on PEEHIP, PEEHIP FPL Premium Discount, and the PEEHIP CHIP program, contact RSA at 1-800-214-2158 or visit the RSA web site.

State Employees' Children's Health Insurance Plan (SECHIP)

SECHIP is a health insurance plan for children (newborn through 18 years of age) of low income (100-200% federal poverty level) state employees and retirees.

A child is eligible for coverage under SECHIP if the child is:

  • Eligible for coverage as a dependent under the State Employees Health Insurance Plan (SEHIP)
  • Under 19 years of age
  • In a family with an income from 100% to 200% of the federal poverty level; (examples of income are: wages, commissions, salaries, Social Security benefits, child support, unemployment compensation benefits, and cash contributions from friends or relatives.)
  • Ineligible for Medicaid
  • Not covered by another health insurance plan (excluding SEHIP and supplemental coverages)
  • Not in an institution

For more information contact the State Employees Insurance Board at 800-513-1384 or 334-883-5900.

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