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If you are denied health insurance - State high risk pools or funds

Below is a list of the 29 states that have high risk pools. Advantages of getting into a state run insurance plan include:
  • Usually can't be turned down
  • Helps you pay for large medical cost
Disadvantages:
  • Have to prove state residency to enroll
  • How proof that you have been rejected for similar health insurance coverage to enroll
  • Can not have enrolled in a high risk pool with the last 132 months
  • The state can end the plan - legislative risk
  • Long waiting lists
  • Usually much higher than private health insurance
  • Have to prove your current policy is rated to enroll
  • You can lose eligibility if you move
  • You candon't qualify if are eligible for, or receiving, Medicare or Medicaid
  • You cannot be incarcerated
  • Plan typically only accepts certain numbers of individuals
  • Rates can increase
  • There are maximum benefit lifetime benefit ceiling
  • You may not qualify with certain diseases

STATE

PROGRAM

CONTACT

ENROLLMENT/WAITING PERIOD FOR PRE-EXISTING CONDITIONS

Alabama

Alabama Health Insurance Plan
http://www.seib.state.al.us/2K2/ahip/aa.asp

(877) 619-2447 
(334) 833-5907

Open To New Enrollees* -
No Waiting Period
*L
imited to high-risk individuals eligible under the federal Health Insurance Portability and Accountability Act of 1996

Alaska

Alaska Comprehensive Health Insurance Association
http://www.achia.com

(888) 290-0616
(907) 269-7900

Open To New Enrollees - 
6 Month Waiting Period

Arkansas

Arkansas Comprehensive Health Insurance Plan

(501) 378-2979
 

Open To New Enrollees -
6 Month Waiting Period 

California

CA Major Risk Medical Insurance Program
http://www.mrmib.ca.gov/MRMIB/MRMIP.html

(800) 289-6574

 

Open To New Enrollees -
3 Month Waiting Period
NOTE: Currently there is also a 12 to 18 month waiting list (Time on the waiting list is credited toward the waiting period if on waiting list for more than 6 months) 

Colorado

Colorado Uninsurable Health Insurance Plan
http://www.covercolorado.org

(800) 672-8447 (303) 863-1960

Open To New Enrollees -
6 Month Waiting Period

Connecticut

Connecticut Health Reinsurance Association

(800) 842-0004

Open To New Enrollees - 
12 Month Waiting Period

Florida

Florida Comprehensive
Health Association

(850) 309-1200

Closed To New Enrollees - 
Effective 6/30/91

Illinois

Illinois Comprehensive
Health Insurance Plan
http://www.chip.state.il.us/chip.htm

(217) 782-6333 
(217) 782-6410 (TTY)

Open To New Enrollees - 
6 Month Waiting Period

Indiana

Indiana Comprehensive Health Insurance Association

(317) 614-2133
(800) 552-7921

Open To New Enrollees - 
3 Month Waiting Period

Iowa

Iowa Comprehensive Health Association

(515) 248-2186

Open To New Enrollees - 
6 Month Waiting Period

Kansas

Kansas Uninsurable Health Insurance Plan

(800) 290-1368, x19
(785)296-3071

Open To New Enrollees - 
3 Month Waiting Period

Kentucky

Kentucky Access

(502) 573-1026

Open To New Enrollees - 
12 Month Waiting Period

Louisiana

Louisiana Health Plan
http://www.lahealthplan.org

(225) 926-6245
(800) 736-0947

Open To New Enrollees -
6 Month Waiting Period
NOTE: Currently there is also a 3 month wait list 
Maryland Maryland Health Insurance Plan
http://www.marylandhealthinsuranceplan.state.md.us/
(866) 780-7105 Open To New Enrollees - 
1 Month Waiting Period

Minnesota

Minnesota Comprehensive Health Association
http://www.mchamn.com/

(952) 593-9609

Open To New Enrollees - 
6 Month Waiting Period

Mississippi

Mississippi Comprehensive Health Insurance Risk Pool Association
http://www.doi.state.ms.us/mchirpa.html

(888) 820-9400 
(601) 362-0799

Open To New Enrollees - 
6 Month Waiting Period

Missouri

Missouri Health Insurance Pool
http://www.mhip.org/

(816) 531-6405
(800) 821-2231

Open To New Enrollees - 
12 Month Waiting Period

Montana

Montana Comprehensive Health Association
http://www.mthealth.org/

(800) 447-7828

Open To New Enrollees - 
12 Month Waiting Period

Nebraska

Nebraska Comprehensive Health Insurance Pool
http://www.state.ne.us/home/NDOI/brochure/b_chip.htm

(402) 343-3337

Open To New Enrollees - 
6 Month Waiting Period

New Hampshire

New Hampshire High Risk Health Insurance Pool
http://www.nhhealthplan.org/

(800) 578-3272
(603) 271-0239

Open To New Enrollees -
9 Month Waiting Period  

New Mexico

New Mexico Comprehensive Health Insurance Pool

(505) 816-4248

Open To New Enrollees - 
6 Month Waiting Period

North Dakota

Comprehensive Health Association of North Dakota
http://www.state.nd.us/ndins//consinfo/comphealth.html

(800) 737-0016
(701) 277-2271

Open To New Enrollees - 
6 Month Waiting Period

Oklahoma

Oklahoma Health Insurance High Risk Pool

(913) 362-0040

Open To New Enrollees - 
12 Month Waiting Period

Oregon

Oregon Medical Insurance Pool
http://www.omip.state.or.us/

(800) 848-7280 

Open To New Enrollees - 
6 Month Waiting Period

South Carolina

South Carolina Health Insurance Pool

(800) 868-2500, x 42757
(803) 788-0500, x 42757

Open To New Enrollees - 
6 Month Waiting Period
South 
Dakota
South Dakota Risk Pool
http://www.state.sd.us/bop/RiskPool.htm
(605) 773-3148 Open to New Enrollees -
No Waiting Period

Tennessee

Tennessee Comprehensive Insurance Pool
http://www.state.tn.us/tenncare

(800) 669-1851

Open to New Enrollees - 
No Waiting Period

Texas

Texas Health Insurance Risk Pool
http://www.txhealthpool.org

(888) 398-3927

Open To New Enrollees - 
12 Month Waiting Period

Utah

Utah Comprehensive Health Insurance Pool

(800)705-9173

Open To New Enrollees - 
6 Month Waiting Period

Washington

Washington State Health Insurance Pool

(800) 877-5187

Open To New Enrollees - 
6 Month Waiting Period

Wisconsin

Wisconsin Health Insurance Risk Sharing Plan
http://www.dhfs.state.wi.us/hirsp/index.htm

(800) 828-4777
(608) 266-2833

Open To New Enrollees - 
6 Month Waiting Period

Wyoming

Wyoming Health Insurance Pool

1-800-442-2376  307-634-1393

Open To New Enrollees - 
12 Month Waiting Period

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