High Risk Insurance Pools
Some states can decline health insurance applications if you have a pre-existing medical condition. However, many states offer health plans that are similar to the coverage in comprehensive individual health insurance plans. The states listed below offer a high risk pool. The Department of Health and Human Services also offers a Pre-Existing Condition Insurance Plan (PCIP) for individuals in states that do not have a high risk pool program. Additional information on PCIP can be found on https://www.healthcare.gov/how-does-the-health-care-law-protect-me/pre-existing-conditions
You can also contact the Foundation for Health Coverage Education (FHCE), a non-profit private organization. FHCE sponsors the Coverage For All website, where you will find a list of the options available in your state. Use their helpful tools and expert assistance to find and apply for a broad variety of state-sponsored health coverage and public assistance programs.
Beginning in the summer of 2010, health insurance high risk pools will be strengthened and expanded as a result of health reform legislation. Also as a result of health reform, high risk pools may be phased out entirely in 2014 as consumers will be guaranteed coverage no matter what their health conditions are.
For informational purposes only. The opinions expressed in the Websites above are those of the respective owners, and do not necessarily reflect eHealth's. This page last updated 4/26/10.
