ObamaCare in Alabama
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About Obamacare in Alabama
Alabama’s Health Insurance Exchange Marketplace has been designed to assist residents in finding health coverage. To qualify for this program, you will most likely need to have insurance coverage or pay a penalty fee. If you already have Medicare, Medicaid, Children’s Health Insurance Program (CHIP), a job-based plan, retiree coverage, VA health coverage or any other kind of health insurance, you will be considered covered. If you are not covered by any health insurance, you’ll have to pay a penalty fee on your 2015 income taxes. This fee will represent one percent of your income or a $95 fee per adult.
In AL, you can also opt to buy a plan outside of the Exchange Marketplace; however, you won’t be eligible for premium tax credits and you won’t qualify for lower out-of-pocket costs. If you did not enroll in Alabama Obamacare before March 31st, 2014, you won’t be able to enroll until the next period that starts on November 15th, 2014. For more information about the Health Insurance Marketplace, go to: https://www.healthcare.gov.
Individual & Family Coverage
Marketplace health plans in Alabama will provide you coverage for services like doctor’s appointments, emergency care and also help cover the costs of filling drug prescriptions. For medical appointments, it is advised to select a doctor that belongs to your plan’s network, as this usually translates in lower out-of-pocket expenses. You can review your plan’s website to search in their directory for affiliated doctors. Regarding emergency care, your coverage allows you to go to any hospital and even if it is an out-of-network hospital, you are not required to have pre-approval and the insurance provider cannot charge you higher copayments. For prescription medications, you need to review your plan’s approved list of drugs to ensure which medications are covered.
If your business has less than 50 employees working full time, you are considered a small business and you are not subject to the Employer Shared Responsibility law. Instead, you can use the Small Business Health Options Program (SHOP) Marketplace to provide health coverage to your employees. With SHOP, small business owners have the ability to decide the coverage levels they provide to their employees and what portion of the premiums they want to cover for the employee. There are four levels of coverage that small businesses can choose from, depending on their specific needs. Tax credits are available for small companies that have fewer than 25 employees and decide to buy health insurance coverage through SHOP.
Obamacare in Alabama guarantees that an insurance company cannot refuse to provide you coverage due to a pre-existing condition, even if you were refused insurance in the past due to the pre-existing condition. The insurance provider can’t charge you more either. Once you have health coverage, they have to cover treatment for medical conditions like asthma, cancer and diabetes. Nevertheless, you will still be accountable for deductibles and copayments. The only exception to this rule is grandfathered individual health insurance plans. If your plan was not bought through an employer, the insurance company is not compelled to provide coverage for pre-existing medical conditions.