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Alabama Health Insurance

Consumer Rights under AL State Law

If you are looking for health insurance in the state of Alabama, here is some information you should know beforehand. This information is designed you help you avoid being mistreated by private insurance companies.

Legal Reasons for Coverage Denial
Under Alabama state law an insurer has the right to deny coverage to an individual on following basis:

  • Pre-existing health conditions
  • Current health conditions

If the insurer chooses to give you coverage in light of your condition it might have some restrictions.

Standardized Policies
Alabama state law does not require insurers to offer standardized policies. Your coverage will be based on what services you choose.

Pre-existing Conditions
An insurer is not obligated to provide coverage for pre-existing conditions. They can go as far back as 5 years of the medical history in order to determine if a conditions is pre-existing.

Coverage Cancellation
By Alabama state law, an insurer can not cancel your insurance policy on the basis of your health condition or age. However, an insurer can raise your premiums as a result of these and other changes.


Always check with your health insurance company on latest policies. These types of policies rarely ever change (but can), and they are very similar from state to state. So, we have tried to highlight the differences, where applicable.

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