INSURANCE: As of September 1, 2018 The Department of
Labor came out with their final ruling on Association
Health Plans. This ruling allows existing Associations
to pool together members and member groups utilizing
economies of scale by spreading the risk to buy health
insurance through the association.
Current Insurance Carriers participating:
• Blue Cross/Blue Shield of Alabama
• United Healthcare
If we are able to achieve a large enough risk pool (not including spouses, dependents), the
large pool size could enable the following potential
benefits of these new rules and regulations:
• Potentially significant lower premiums
• Potentially significant lower out of pocket costs
• Potentially lower co-pays
• Potentially lower prescriptions costs
It is imperative that you complete the census if
you would like to at least explore these plans and
rates. The census consists of only 5 items to
submit: Name, Birthdate, Zip Code, Gender, and Preferred
YES, I want to take part in the census:
If family members will also use the policy, give us the same information
for each one by filling out the form for each family member.
If you have already entered the census through a previous email to AFOA,
please submit this form. It collects a couple more pieces of
information the previous census did not that the insurance company needs
to form a proposal.
This form applies to current AFOA members and prospective members.