Alabama Health Insurance Plan and Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA)
The Alabama health insurance Plan is designed for people who have exhausted coverage through a group plan and are not eligible for other group coverage, Medicare, Medicaid or are covered under any other health insurance plan. Administered by the State of Alabama, AHIP offers a traditional indemnity policy (Blue Cross) and a managed care policy (United Healthcare) to residents of the state of Alabama who meet certain qualifications.
Created by state law, AHIP is designed to meet the standards of the Health Pnsurance Portability and Accountability Act (HIPAA) of 1996. HIPAA is a federal law that helps make health insuranceavailable to anyone who has been enrolled in a health insurance plan. However, your last month of prior coverage must have been through a group employer plan or COBRA coverage. If you are eligible for AHIP you will have no waiting periods for pre-existing conditions.