Alabama Insurance Information

The Alabama Legislature in 1997 through Insurance Regulation 115 established the Alabama Health Plan (AHIP), a high-risk health insurance pool. The Alabama plan is limited to serving only those high-risk individuals who are eligible for portability under the federal Health Insurance Portability and Accountability Act of 1996. The plan became operational on January 1, 1998.

Must be a resident of Alabama

Must be eligible for portability under federal rules under HIPAA. Must have had at least 18 months of continuous previous coverage, the last of which must be group or COBRA. COBRA, if offered, must have been taken and exhausted.

Must have no lapses of coverage of over 63 days.

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