In the year of 2002, Trade Act founded the “Health Coverage Tax Credit” which is also known as HCTC. The effect f this came in 2003 and laid down the condition that the legislative tax credit of 70% had to be refunded to the individuals who got qualified for the plan of health premium which they pay ever year. This works in 2 ways:

i. Either the eligible individual can go for the filing of the federal tax and in return of that can claim for the health insurance.
ii. Also by paying the 70% of the premium of health insurance in advance.

The way a person is receiving the credit of the health tax is totally dependent on him or her. This can be the best option for the individual who are not able to find affordable plans of the health insurance for their families staying in Alabama. Surely, they are providing the federal and state programs to the families with the low income or for the persons who are working in the companies which are not offering any kind of health benefits in Alabama. But all of the individual are not eligible for this kind of program; despite of the fact they are not able to find some other means of insurance in Alabama.

So if the person belongs to the category who desperately needs the health insurance cover on the family members but can’t afford it or not making themselves eligible for the HCTC, then they must contact to the Alabama’s Department of Insurance.

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