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Although the state of Alabama originally supported the implementation of a state-based health insurance exchange, it was announced November 2012 by Governor Robert Bentley that the state would instead run under a federal exchange. Beginning in 2014, the federal government will assume full responsibility for implementing and running an Alabama health insurance exchange.
Under the Affordable Care Act, all non-grandfathered individual and small-group plans must cover certain defined health benefits, or ‘essential health benefits’ (EHB). These benefits include: ambulatory patient services, emergency, hospitalization, maternity and newborn care, mental health, prescription drugs and more. Because Alabama did not submit a recommendation, the state’s benchmark EHB plan defaults to the largest small-group plan in the state.
The state of Alabama has defaulted to a federally-run health insurance exchange. It has also defaulted to the largest small-group plan in the state for the essential health benefits benchmark because of the absence of a recommendation.
For more information about setting up a private exchange solution in Alabama, contact a representative at GoHealth today.