Licensed in Alabama · Life & Health Agent

Alabama Health Insurance From a Real Person.

I'm Dave Claich, a licensed agent in Alabama. I help self-employed people, families, realtors, and small business owners in Birmingham, Huntsville, and Montgomery find $0-deductible PPO and ACA coverage, and I answer my own phone.

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Dave Claich, licensed Alabama health insurance agent, with his family — **Dave & Marisol Claich**Family-run, independent agency

Get Your Free Quote

Takes 30 seconds. A licensed agent will text or call you with your options in Alabama.

No spam, no call centers. Just Dave.

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Year-Round SupportNot just during open enrollment

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Real Person, Real CareYou get me, not a 1-800 number

$0-Deductible PPO PlansUse your benefits from day one

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Licensed in AlabamaView my Alabama license

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Health Insurance in Alabama

Real coverage for Alabama residents.

We help realtors, independent contractors, and small business owners in Birmingham, Huntsville, and Montgomery, and across Alabama access stronger coverage without the high prices and limitations of marketplace plans. No confusion. No long hold times. Just friendly, expert guidance.

✓ Zero deductible national PPO plans available in Alabama
✓ $3,000 maximum out-of-pocket protection
✓ Cash benefits paid directly to you for critical illness and accidents
✓ Coverage that travels with you anywhere in the country
✓ Guided help through enrollment, every step of the way

"No confusion. No long hold times. Just friendly help when it matters most."

Why Alabama Clients Trust Claich Health

🎍 Licensed advisor serving Alabama and 31 states

🛡 Zero deductible national PPO plans available

💵 Cash benefits for critical illness paid directly to you

🧾 Self-employed plans with potential 100% tax deduction

📅 Guided support during open enrollment

⚡ Quick quotes and flexible scheduling by text or call

Our Services

Coverage built for real life in Alabama.

We help Alabama residents compare plans that deliver real value — whether you are an individual, a family, or running your own business.

National PPO Access

See any doctor or specialist at any hospital in Alabama or across the country. No referrals needed, no network restrictions.

Critical Illness Benefits

Cash paid directly to you if you are diagnosed with a serious illness. Use it for bills, rent, or groceries — your choice.

Zero Deductible

Start using your benefits immediately. No waiting until you have spent thousands first. Your coverage works from day one.

Accident Coverage

Accidents covered at just $250 out-of-pocket. Whether it is a broken arm or an ER visit, you are protected without a massive bill.

$3,000 Max Out-of-Pocket

A hard cap on what you will ever pay in a year. Once you hit $3,000, your plan covers 100%, giving you real financial protection.

24/7 Telehealth

See a licensed doctor from anywhere in Alabama at any time. No copay, no appointment needed, no extra cost.

FAQs

Common questions from Alabama residents.

Quick answers to what most people in Alabama ask before getting covered.

Is Claich Health available in Alabama?

Yes. We are licensed to serve residents across Alabama including Birmingham, Huntsville, and Montgomery and surrounding areas. Text us your zip code to confirm plan availability near you.

What does zero deductible mean?

It means you can use your health benefits from day one without having to pay thousands out of pocket first. ACA plans can have deductibles of up to $10,600 before they kick in. Ours start at zero.

How do I get a quote in Alabama?

Text the ages of everyone who needs coverage and your Alabama zip code to 224-384-7345. We will run the numbers and send you your best options fast, usually within a few hours.

Are these plans good for self-employed people in Alabama?

Absolutely. Our plans are perfect for realtors, independent contractors, and small business owners in Alabama. In many cases your premiums may qualify as a 100% tax-deductible business expense.

Can I use my plan outside of Alabama?

Yes. Our national PPO plans work anywhere in the country, so whether you are traveling, working remotely, or moving, your coverage travels with you.

How much does health insurance cost in Alabama?

It depends on your age, family size, and the plan you choose. Many of our clients in Alabama pay significantly less than they expected. Text us to get real numbers for your specific situation.

Get your Alabama health insurance quote in minutes.

No long forms. No hold music. Just text us and we will handle the rest.

Text the ages of everyone who needs coverage

Include your Alabama zip code

We run the numbers and send you your best options fast

💬 Text 224-384-7345 📅 Book a Call