1. (a) A nonprofit agricultural organization or an affiliate of the organization may offer in this state health benefits.

2. (b) Health benefits offered under this chapter shall include coverage for all of the following:

   1. (1) Ambulatory patient services.
   2. (2) Hospitalization.
   3. (3) Emergency services.
   4. (4) Laboratory services.
   5. (5) Mental health and substance abuse disorder services including behavioral health treatment.
   6. (6) Prescription drugs.
3. (c) The aggregate value of benefits or services covered under a health benefits plan under this chapter shall not be subject to an annual limit of less than two million dollars ($2,000,000) per year per enrollee.

4. (d) Health benefits offered under this chapter may only be sold by an insurance producer who is licensed to sell or solicit accident and health insurance in the State of Alabama and who is one of the following:

   1. (1) An employee of the nonprofit agricultural organization or its affiliates.
   2. (2) An agent who is employed by or is independently exclusive of an organization authorized to sell insurance products that may only be sold to members of a nonprofit agricultural organization.
   3. (3) An employee or agent of a nonprofit agricultural organization of another state which is substantially similar to the nonprofit agricultural organization as defined in this chapter who is under contract with the nonprofit agricultural organization as defined in this chapter to underwrite or service the health benefits offered pursuant to this chapter.
5. (e) Health benefits may not be sold by a broker, agent, benefits coordinator, or another individual who is not described in subdivisions (d)(1) through (3).

(Act 2025-296, §2.)