Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Alabama

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Alabama Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

92600

Reviewed

55561

Curated

4

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Alabama
  • Life Insurance
  • Individual Plans

Why choose this provider?

Thompson Insurance, Inc. is an independent agency that helps customers in Alabama find the right policy that will meet their needs. It handles auto, home, life, and health insurance plans for individuals and families. For business owners looking to secure their company and workers, the agency offers various commercial lines such as general liability, health and employee benefits, commercial property, and workers' compensation. Thompson Insurance, Inc., has been in the industry for more than 1963.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Alabama
  • Over 65

Why choose this provider?

Alabama Health Guidance is an independent insurance agency that provides Medicare assistance and education to clients in the State. It offers health insurance options, such as Medicare Advantage, Supplemental, Medigap, and Part D plans. Alabama Health Guidance conducts individual counseling sessions and Medicare classes to impart basic knowledge of the various insurance options. It was established in 2009 by father and son, Ikey and Lee Fowler, who have over three decades of combined industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (16)
Facebook
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Alabama
  • Individual Health Insurance
  • Individual Plans

Why choose this provider?

Medicare Advisors of Alabama is a local independent insurance agency that serves clients in the state. It offers Medicare insurance options for clients turning 65, including Medigap, Medicare Advantage Plans, and Medicare Stand-Alone Prescription Drug Plans. It also assists those receiving Medicare due to a disability. The agency conducts Medicare seminars in libraries, community centers, and churches. Additionally, it provides dental, vision, and travel insurance. One of its agents, James Debter, has over 35 years of experience in the insurance and finance industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (66)
Google
5.0 / 5 (59)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Alabama
  • Individual Plans

Why choose this provider?

Brasch Agency handles the health insurance needs of clients throughout the state of Alabama. The full-service, independent agency provides clients with a wide array of products and services from a variety of reputable insurance and benefits providers, helping them evaluate proposals from each. Insurance plans are available for dental and vision, long-term care, critical illnesses, and telemedicine. Clients may also arrange travel health insurance as well as Medicare plans. The agency also offers insured and self-funded health plans for businesses as employee benefits.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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