Search

Cheap Health Insurance in Alabama

If you are to save on health insurance premiums, you need to understand the terms involved. And our glossary to insurance in Alabama will help you achieve exactly that. Read to know more.
Cheap Health Insurance in Alabama
It's vital to understand health insurance and its associated terms, as this will give a clear picture of the amount you must pay as premiums or otherwise. Let's take a closer look at cheap health insurance in Alabama.
In this article

Health Insurance is your safety net whenever you face an ailment or accident. Various health insurance providers in Alabama offer affordable health insurance. Some purchase individual or family policies, while others receive health insurance through their employer.

Thus, it’s vital to understand health insurance and its associated terms, as this will give a clear picture of the amount you must pay. Let’s take a closer look at cheap health insurance in Alabama. 

Beem is a reliable platform that links people needing inexpensive health insurance with certified insurance agents who can help them locate plans that fit their specific needs.

Our team at Beem is committed to helping you find the most affordable and comprehensive insurance plans, whether you’re looking for assistance with marketplace enrollment, alternative coverage alternatives, or individual plans.

Top Cheap Health Insurance in Alabama

Here are the top cheap health insurance providers in Alabama. 

Beem

Beem offers a platform for managing multiple insurance plans. Here’s a breakdown of the potential pros and cons to consider.

Pros

  • Convenience: Beem streamlines managing multiple health insurance plans into a single platform, saving time and money.
  • Comparison Tools: It offers tools to help you choose the best plan for specific needs.
  • Potential Cost Savings: By consolidating plans, Beem can negotiate lower premiums with providers, leading to further savings.

Cons

  • Limited Choice: Beem may have a limited network of insurers or plans on their platform, restricting your options.
  • Coverage Gaps: Consolidating plans can create coverage gaps if the combined plan doesn’t include certain benefits.
  • Monthly Cost: Beem may charge a fee for its service and the premiums you pay for each plan within the consolidated platform.

Out-of-Pocket Expenses & Deductibles: Out-of-pocket expenses and deductibles depend on your specific plans. It can help you find plans with lower out-of-pocket costs and deductibles.

Blue Cross and Blue Shield of Alabama – Bronze Plan

A well-established insurer with an extensive network of doctors in Alabama, the bronze plans offer lower monthly premiums but come with higher out-of-pocket costs before your insurance kicks in.

Pros 

  • An extensive network of doctors means more choices for your healthcare providers. 
  • Established reputation and customer support infrastructure.

Cons 

  • Monthly premiums may be higher than peers. 
  • Out-of-pocket costs for deductibles and copays can be significant.

Monthly Cost: Can vary depending on factors like age, location, and plan details, but expect costs to range between $288 and $424.

Out-of-Pocket Costs & Deductibles: Deductible amounts can vary, but they are expected to be higher than those of other plans.

Cigna Health and Life Insurance Company – Bronze Plan

A national insurance carrier with a presence in Alabama. Their Bronze plans, too, offer lower premiums with higher out-of-pocket costs.

Pros 

  • Sizeable national network offering coverage options even when traveling.
  • Established company with a proven track record.

Cons 

  • Monthly premiums might be on the higher end. 
  • Out-of-pocket costs can be significant before the insurance plan kicks in.

Monthly Cost: Expect costs in the $288-$424 range 

Out-of-Pocket Costs & Deductible: Deductible amounts can vary, but expect them to be on the higher side compared to other plans.

UnitedHealthcare – Bronze Plan

Another major national insurance provider with coverage options. Their bronze plans are budget-friendly.

Pros 

  • Considered the most affordable Bronze plan option in Alabama (Money Geek). 
  • Large national network offering coverage flexibility.

Cons 

  • Out-of-pocket costs can be high before the insurance plan kicks in. 
  • The network of doctors might be narrower compared to some competitors.

Monthly Cost: UHC Bronze Essential plans range around $409 per month.

Out-of-Pocket Costs & Deductible: Amounts can vary, but expect them to be on the higher side compared to other plans.

Ambetter from Alabama – Essential Care 1

A regional insurer offering plans tailored to Alabama residents’ needs. Their Essential Care plans are categorized as bronze plans.

Pros

  • It may offer competitive rates specifically designed for the Alabama market.
  • Its focus on in-state healthcare providers could potentially lead to a good network.

Cons

  • Network of doctors might be limited compared to national carriers. 
  • Availability of plans might be restricted to certain areas in Alabama.

Monthly Cost: Cost information might not be readily available online, so contacting Ambetter is recommended.

Out-of-Pocket Costs & Deductible: Deductible amounts can vary, but they are expected to be higher than those of other plans.

Bright Health – Bronze Plan

This new company focuses on an integrated healthcare experience. Its plans are cheaper but have higher out-of-pocket costs.

Pros 

  • May offer innovative features. 
  • Potentially competitive pricing for Bronze plans.

Cons

  • Limited track record compared to established insurers. 
  • Network of doctors might be limited depending on your location.

Monthly Cost: Cost information might not be readily available online, so contacting Bright Health is recommended.

Out-of-Pocket Costs & Deductible: Deductible amounts can vary, but expect them to be on the higher side compared to other plans.

These are by no means the only Alabaman companies offering affordable health insurance. Consider Life Insurance Company or Blue Cross and Blue Shield of Alabama for your medical needs as well. Obtaining quotations from each service company listed here is a smart idea.

Read related article: Cheap health insurance in New York.

FAQs

Who has the lowest health insurance rates in Alabama ?

Your metal tier selection influences your Alabama health insurance premiums. These range from platinum to gold, silver, and bronze. UnitedHealthcare’s bronze plan is the most affordable option.

How to get free health insurance in Alabama?

Medicaid is a health insurance program funded by federal, state, and local funds for specific low-income and needy individuals. It is the biggest program that offers health and medical services to Alabama’s poorest residents, including children, the elderly, the blind and/or disabled, and those who qualify for income maintenance payments that the federal government subsidizes.

Which has low deductibles and out of pockets in Alabama?

Bronze plans offer reasonable health insurance for young, healthy Alabama citizens. Bronze plans offer cheap rates with low deductibles.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

👍👎

Author

Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts

How Much Does Fake Teeth Cost?
Replacing missing teeth offers a lot of advantages. A complete set of teeth enhances your appearance and plays a crucial role in maintaining the structure of your mouth and jaw. Let's get started on this exciting and important topic.
How to Get Dental Implants Covered by Medical Insurance
Modern technology and treatment methods enable us to restore our smiles because of dental implants. Yet, such implants can be expensive. This blog dwells on how to subvert such costs.
Does Dental Insurance Cover Implants?
Dental implants are a valuable solution for replacing missing teeth. Yet, their high costs are a concern. In this blog, discover whether dental insurance covers implant costs, among others, to help you make the right decision.
How to Get Insurance to Pay for Eyelid Surgery
Eyelid surgery can provide multiple benefits, cosmetic and functional. It can rejuvenate your appearance by removing excess skin, fat, and muscle from the upper and lower eyelids. It can also address medical issues. But read this blog to understand if insurance will meet your needs.
Is Blepharoplasty Covered By Insurance?
Understanding insurance coverage for blepharoplasty hinges on its distinction between cosmetic and medically necessary purposes. Since medical insurance doesn't typically cover cosmetic procedures, elective blepharoplasty for aesthetic reasons is usually not reimbursed. And how can one determine if insurance will cover the procedure? Read to know more.
Does Insurance Cover Root Canal?
This blog will cover everything about root canal procedures, their associated costs, and how dental insurance can help pay for treatment. It also examines dental insurance plans and ways to get the most from your coverage.
Features
Essentials

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: