- Alabama Health Insurance
Plan (AHIP)
AHIP is designed for people who have exhausted coverage through a former
employer and have no other group healthcare coverage available. Administered
by the State of Alabama, AHIP is offered through Blue Cross and Blue Shield of
Alabama and United HealthCare.
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Alaska Comprehensive Health Insurance
Association (ACHIA)
A nonprofit organization created by state statute to provide health insurance
to Alaska residents who are denied health insurance in the private market
because of medical condition. It is also the coverage for persons who are
eligible under the Federal Portability Act or under the Health Coverage Tax
Credit federal program.
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Arkansas Comprehensive
Health Insurance Pool
A state program that was intended to provide an alternative market for health
insurance for certain uninsurable Arkansas residents and to provide the
acceptable alternative mechanism as described in the Health insurance
Portability and Accountability Act of 1996 for providing portable and
accessible individual health insurance for federally eligible individuals.
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California - Major
Risk Medical Insurance Program (MRMIP)
Provides health insurance for Californians who are unable to obtain coverage
in the individual health insurance market.
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Colorado - CoverColorado
A non-profit entity created by the Colorado Legislature to provide medical
insurance for eligible Colorado residents who, because of a pre-existing
medical condition, are unable to get coverage from private insurers.
- Connecticut - Health
Reinsurance Association (HRA)
Makes available to eligible individuals in Connecticut a comprehensive health
care plan designed to help meet medical costs of non-occupational injuries and
diseases.
HRA is a non-profit association comprised of all private insurance companies
and HMOs that provide health insurance in Connecticut.
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Idaho -
Pre-Existing Condition Insurance Plan
The purpose of this act is to make health insurance coverage available to
Idaho “eligible individuals” not covered by employment-based insurance. Idaho
residents may be eligible for coverage regardless of their health status or
claims experience. Included four different high risk insurance pools.
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Illinois Comprehensive Health
Insurance Plan
Has five different plans.
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Iowa Comprehensive Health Association
Provides health insurance to Iowa residents who have been denied coverage.
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Kansas Health
Insurance Association
The Kansas Health Insurance Association provides health insurance to Kansas residents who have been denied coverage.
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Kentucky
A state authorized health plan that offers medical coverage to Kentuckians who
find it difficult to obtain health insurance in the individual insurance
market.
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Louisiana Health Plan - High Risk
Health Pool
To be eligible for coverage, a person must be a Louisiana resident for six
consecutive months and not be covered by, or eligible for, other health
insurance coverage.
- Maryland Health
Insurance Plan
MHIP is a state administered health insurance program for Maryland residents
who do not have access to health insurance.
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Minnesota Comprehensive Health Association
MCHA was established in 1976 by the Minnesota Legislature to offer policies of
individual health insurance to Minnesota residents who have been turned down
for health insurance by the private market, due to pre-existing health
conditions.
- Mississippi Comprehensive Health Insurance Risk Pool Association
A health insurance program and allowing the availability of health and
accident insurance care to those citizens of the State of Mississippi who,
because of health conditions, cannot secure such coverage.
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Missouri Health Insurance Pool
The MHIP program is designed for residents who, because of high-risk status
are unable to obtain health care coverage, have been involuntarily terminated
from their health care coverage or are being charged more than 300 percent of
standard premiums for health care coverage.
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Montana Comprehensive Health Association
(MCHA)
Offers policies of individual health insurance to eligible Montana residents
who are considered uninsurable due to medical conditions. The MCHA also is the
coverage available to persons who are leaving group coverage.
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Nebraska -
Comprehensive Health Insurance Pool
A nonprofit program created by the Nebraska Legislature for the purpose of
providing health care coverage at an affordable price or without health
restrictions.
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New Hampshire Health Plan (NHHP)
A state high risk pool established to provide health insurance to NH residents
who are declined coverage through the private market, have a pre-qualifying
condition or are otherwise eligible. The NHHP is intended generally to be the
insurer of last resort for New Hampshire residents.
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New Mexico Medical Insurance Pool (NMMIP)
Established to provide access to health insurance coverage to all residents of
New Mexicans who are denied adequate health insurance and are considered
uninsurable.
- North Dakota - Comprehensive Health
Association of North Dakota (CHAND)
Created to provide comprehensive health insurance to residents of the state
who were denied health insurance or given restricted coverage because they had
health problems and were considered a high risk.
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Oklahoma High Risk
Pool
Created to serve those who are considered medically uninsurable or high risk.
In layman’s terms, it means they have been denied health insurance due to a
serious health condition. In certain cases, it also applies to those who have
been quoted very high premiums – again, due to a serious health condition.
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Oregon Medical Insurance Pool
Established by the Legislature to provide health insurance to Oregonians who
have been denied individual health coverage because of their medical
conditions. In short, it is a safety net or last resort for people who cannot
get individual health insurance coverage.
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South Dakota Risk Pool
For South Dakota residents who have at least 12 months of continuous
creditable coverage, have used up COBRA or state continuation coverage, and
are not covered under a group health plan, Medicare, Medicaid, or any other
form of health insurance.
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Tennessee - Cover Tennessee
It extends coverage to uninsured and uninsurable persons who were not eligible
for Medicaid.
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Texas Health
Insurance Risk Pool
Created to provide access to quality health care at minimum cost to the
public, to relieve the insurable population of the disruptive cost of sharing
coverage, and to maximize reliance on strategies of managed care proven by the
private sector; and to maintain the availability of traditional health
insurance to consumers who are currently eligible for these policies.
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Utah
Comprehensive Health Insurance Pool
The purpose of the Comprehensive Health Insurance Pool Act is to provide low
cost access to health insurance coverage to residents of Utah who are denied
adequate health insurance and are considered uninsurable.
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Washington State Health Insurance Pool
Provides health insurance to Washington residents who have been denied
coverage.
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West Virginia - AccessWV
Offering individual health insurance coverage to West Virginians who have
pre-existing, severe or chronic medical conditions.
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Wisconsin
Health Insurance Risk Sharing Plan
Offers health insurance to Wisconsin residents who either are unable to find
adequate health insurance coverage in the private market due to their medical
conditions or who have lost their employer-sponsored group health insurance.
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Wyoming Health
Insurance Pool (WHIP)
Created to provide health insurance coverage to residents of Wyoming who are
denied adequate health insurance. This plan is specially designed to meet the
needs of those individuals who are unable to purchase health insurance for
themselves because of existing health problems. (scroll down)
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