If you live in Alabama and are considering COBRA insurance, the first place you should always begin your search is with federal COBRA insurance policies.  Under the federal COBRA insurance law passed in 1986, people  who meet the federal COBRA insurance requirements can choose to continue to keep their employer’s sponsored health insurance plan.  That translates to the exact same doctors, prescriptions, co-payments, and deductibles that you had with your Alabama health insurance.  Alabama COBRA insurance gives you the option to keep identical insurance however you will have to pay the complete cost for the insurance, normally more than double what you are used to paying.

In many states if you do not qualify for federal COBRA insurance, there are state COBRA insurance plans that will help you to continue to keep your health insurance.  These plans, normally known as mini COBRA, are offered in many states for people who work at companies with between 2-19 employees and don’t qualify for federal COBRA.  Unfortunately in Alabama there are no mini COBRA plans which means that Alabama residents are only eligible for federal COBRA insurance.  Luckily though that isn’t the only health insurance option.

If you find that you do not qualify for COBRA insurance or simply find that COBRA insurance is too expensive, there are many options that you can explore.  The health insurance plan that most closely mirrors an employer sponsored health insurance plan are private insurance plans normally called individual or family plans.  For healthy families, these plans can be as affordable as $420 monthly, which is much cheaper than COBRA insurance.  For folks with preexisting conditions or serious medical needs, these plans may be much more expensive.