Alabama
Underwriting Requirements
Medical underwriting is allowed without restriction.
Rating Restrictions
There are no rate caps in the Alabama traditional individual health insurance market.
Issuance of Coverage
Coverage is not required to be guarantee issue in the Alabama traditional individual health insurance market. Elimination riders are also allowed.
Preexisting Condition Requirements
For traditional individual health insurance policies, there is a 60-month look back period and a 12-month exclusionary period allowed.
Creditable Coverage Requirements
In the Alabama traditional individual health insurance market, no credit for prior coverage is required.
