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Zane Benefits Publishes New Information on Alabama Health Insurance Exchange
Date:5/22/2013

or Robert Bentley announced in November 2012 that the state would default to a federally-run Exchange, however initially Alabama supported developing a state-based exchange.

In June 2011, Governor Bentley created the Alabama Health Insurance Exchange Study Commission to recommend how Alabama should establish a Health Insurance Exchange (via Executive Order 17). In November 2011 the Commission endorsed the establishment of the “Alabama Health Insurance Marketplace.” In May 2012 a bill establishing a state exchange passed in the House, however the bill failed to pass the Senate and the bill died at the end of the 2012 legislative session. Therefore, Alabama will default to the federally-run Exchange.

Alabama Health Insurance Exchange

According to Zane Benefits’ website, the Alabama Health Insurance Exchange will be operated through a federally-run Health Insurance Exchange called the "Health Insurance Marketplace." According to healthcare.gov, starting in October 2013 Alabama residents will be able to access information about insurance plans available through the Marketplace. The SHOP Exchange will be available to small businesses in Alabama for businesses with 100 or fewer employees. Coverage starts January 1, 2014.

According to an estimate by healthcare.gov, 642,738 or 16% of Alabama’s non-elderly residents are uninsured. Through the Exchange, Alabama residents can shop for and compare insurance plans, access insurance premium tax credits, and be screened for eligibility in public assistance programs such as Medicaid and CHIP. More information on the federally-run Health Insurance Marketplace can be found here.

Plans Available Through the Alabama Health Insurance Exchange

According to Zane Benefits’ website, all plans offered through the Alabama Health Insurance Exchange will meet the federal ACA definition of a Qualified Health Plan (QHP). The plans will be offered by level of coverage for essential health
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