Alfa health plan bill gets overwhelming House support - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Health/Employee Benefits News
Newswires RSS Get our newsletter
Order Prints
April 12, 2025 Newswires
Share
Share
Post
Email

Alfa health plan bill gets overwhelming House support

Kevin TaylorTimes Daily

MONTGOMERY — The Alabama Farmers Federation's proposal to offer health plans to its members won House approval on Thursday in an overwhelming vote, but not before extensive debate about removing an oversight amendment added in committee earlier in the week.

House Bill 477 from Rep. David Faulkner, R-Mountain Brook, has been amended multiple times in the last week to add more required coverage and consumer protections, including not being able to drop customers if they get seriously ill, in an effort to win support.

The plans are needed, Faulkner and Alfa argue, because farmers struggle with health insurance costs. They're usually self-employed without employer-provided insurance but make too much money to qualify for subsidies under the Affordable Care Act.

"The rising cost of health care is a significant burden for our farmers," Faulkner said on the House floor.

The bill was approved 98-1.

"We are encouraged by the strong bipartisan support House members showed today for Alabama farmers," Brian Hardin, Alfa's director of external affairs, told ADN. "We appreciate Speaker (Nathaniel) Ledbetter and House leadership for bringing this important legislation to the floor and Rep. Faulkner for addressing concerns while preserving its effectiveness."

Ten other states offer what Faulkner is proposing. Based on their plans, Faulkner said farmers in Alabama could save 30% to 60% on health care costs.

"This is not a plan for everyone," he said. "This is a plan that is offered to the members of the Farmers Federation."

Faulkner said multiple times Thursday that this proposal has more restrictions and oversight than any other state's. Recent additions to the bill include requirements that ill people can't be dropped, specific care must be covered, including emergency services and mental health and substance abuse, and a complaint process.

Opponents of the bill have argued the plans look like insurance but can't be called insurance because they won't have to follow all the state and federal laws insurers do. Blue Cross and Blue Shield of Alabama and the American Cancer Society have opposed Alfa's ability to deny coverage based on pre-existing conditions. Federation officials say Alfa's reputation and close ties with members are a natural deterrent to denying any coverage and honoring members' contracts.

Rep. Paul Lee, R-Dothan, also amended the bill on the House floor. Though the Alfa plans will have no annual spending caps, Faulkner said, the state hospital association requested the amendment that said there won't be an annual limit "of less than $2 million per year" per covered individual.

Rep. Mark Shirey, R-Mobile, said he's heard from more farmers than lobbyists about the bill.

"These people are begging for this plan and we're standing in the way," he said in a dialog with Faulkner. "They want this bill passed with a whole lot less restrictions than we have on it now."

A lot of farmers are going without insurance now, Shirey said. If they don't like the Alfa plans, they can get out and be no worse off.

The bill now moves to the Senate where Sen. Arthur Orr, R-Decatur, has sponsored previous versions.

Older

10 best low-risk investments in 2025

Newer

Colorado Commissioner of Insurance threatens to shift health insurance funds to illegal immigrants

Advisor News

  • Advisors must lead the policy risk conversation
  • Gen X more anxious than baby boomers about retirement
  • Taxing trend: How the OBBBA is breaking the standard deduction reliance
  • Why advisors can’t afford to delay succession planning
  • 6 in 10 Americans struggle with financial decisions
More Advisor News

Annuity News

  • CT commissioner: 70% of policyholders covered in PHL liquidation plan
  • ‘I get confused:’ Regulators ponder increasing illustration complexities
  • Three ways the Corebridge/Equitable merger could shake up the annuity market
  • Corebridge, Equitable merge to create potential new annuity sales king
  • LIMRA: Final retail annuity sales total $464.1 billion in 2025
More Annuity News

Health/Employee Benefits News

  • Tucson Speaks Out: April 5
  • El Rio taps experienced leader to oversee transition from North Country HealthCare to Elk Ridge
  • Red ink at Minnesota Blue Cross spells more Medicare Advantage troubles ahead
  • MEDICAID COST-SHARING LIMITATIONS AMENDED, ADVANCED
  • Legislative roundup: In a last-minute flurry, 100+ bills were sent to governor's desk; legislators back April 14
More Health/Employee Benefits News

Life Insurance News

  • WHAT THEY ARE SAYING: KATHLEEN COULOMBE JOINS ACU AS CHIEF ADVOCACY OFFICER
  • A-CAP Appoints Kirk Cullimore as President of Sentinel Security Life
  • Nationwide enters centennial year stronger than ever
  • AM Best Affirms Credit Ratings of Mutual of Omaha Insurance Company and Its Subsidiaries
  • AM Best Affirms Credit Ratings of CMB Wing Lung Insurance Company Limited
More Life Insurance News

- Presented By -

Top Read Stories

More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Protectors Vegas Arrives Nov 9th - 11th
1,000+ attendees. 150+ speakers. Join the largest event in life & annuities this November.

An FIA Cap That Stays Locked
CapLock™ from Oceanview locks the cap at issue for 5 or 7 years. No resets. Just clarity.

Aim higher with Ascend annuities
Fixed, fixed-indexed, registered index-linked and advisory annuities to help you go above and beyond

Unlock the Future of Index-Linked Solutions
Join industry leaders shaping next-gen index strategies, distribution, and innovation.

Leveraging Underwriting Innovations
See how Pacific Life’s approach to life insurance underwriting can give you a competitive edge.

Press Releases

  • RFP #T01525
  • RFP #T01725
  • Insurate expands workers’ comp into: CA, FL, LA, NC, NJ, PA, VA
  • LifeSecure Insurance Company Announces Retirement of Brian Vestergaard, Additions to Executive Leadership
  • RFP #T02226
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet