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In Alabama, How Does COBRA Insurance Work?

In Alabama, the mini-COBRA law provides an option for people to retain their employer-based health insurance if they lose it, under specific circumstances. This state law is akin to the federal COBRA law but applies to companies with a minimum of 20 employees.

COBRA Eligibility

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*Based on age and state availability

Continuing Health Insurance Coverage In Alabama

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

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Alabama Mini-COBRA Law Explained

In Alabama, the mini-COBRA law, formally known as the “Alabama Continuation Coverage Law,” offers a safety net for those who lose their employer-based health insurance. This law is relevant to businesses that employ 20 or more people and is designed to mirror the federal COBRA law, which has similar stipulations.

If you lose your job or go through other life changes like a divorce or loss of dependent status, this law allows you and your dependents to maintain your health insurance for up to 18 months. However, there’s a key difference from the federal COBRA law: Alabama’s mini-COBRA doesn’t mandate that employers extend this coverage to part-time employees working less than 20 hours a week or those under a collective bargaining agreement.

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Health Insurance For Pre-Existing Conditions In Alabama

Maintaining your workplace health insurance can be a wise decision if you frequently see a physician or take prescription drugs. The plan remains the same as the one you were previously enrolled in. Additionally, you won’t have to restart your deductibles as the plan resumes on the date that it ended.

Marketplace / Obamacare

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

The average ACA silver plan premium in Alabama is $553 per person according to the Kaiser Foundation.

View Affordable Care Act Plans

You may qualify for a subsidy

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.

Short-Term Health Insurance For Those In Good Health

A private short-term health plan can help you bridge an insurance gap in Alabama. The following coverage types provide significant medical benefits for new illnesses and accidents that may occur.

Short Term Medical Insurance: New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you
access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available in All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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