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Alabama Department of
Insurance HIPAA-eligible individuals: Applicants are guaranteed acceptance into AHIP with no exclusions for preexisting conditions.
Eligibility: (1) Alaska resident for 12 months, (2) ineligible for coverage under any other health insurance plan, and (3) rejected from health insurer within the past six months, accepted with restrictive riders substantially reducing coverage or accepted with qualifying condition, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed health insurance coverage through ACHIA with no exclusions for preexisting conditions and without a 12-month residency requirement. Arizona Department of Insurance (602) 912-8444 www.id.state.az.us HIPAA-eligible individuals: Arkansas Insurance Department Eligibility: (1) Arkansas resident for 90 days, (2) ineligible for coverage through a group health plan, Medicare, or Medicaid, (3) not enrolled in any other health insurance policy, (4) not previously terminated from CHIP coverage, and (5) CHIP premium cannot be paid by government sponsored program, or (6) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into the CHIP with no exclusions for preexisting conditions.
Eligibility: (1) HIPAA-eligible individuals: State requires mandatory acceptance by all individual insurance carriers without exclusions for preexisting conditions. Each company independently determines the monthly premium. (303) 894-7499 www.dora.state.co.us/insurance Eligibility: (1) Colorado resident for six months, (2) ineligible for Medicare and Medicaid, and (3) denied coverage, proof of inability to get coverage, diagnosed with qualifying condition, or acceptance with preexisting condition limitation or higher premium than CC, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into CC with no exclusions for preexisting conditions. Connecticut
Insurance Department Eligibility:
(1) HIPAA-eligible individuals: Applicants are guaranteed acceptance into HRA with no exclusions for preexisting conditions.
HIPAA-eligible
individuals:
HIPAA-eligible individuals: Every insurance company is required to provide applicants with a policy with no exclusions for preexisting conditions. Georgia
Insurance Commissioner HIPAA-eligible individuals: Applicants must elect and exhaust available COBRA coverage. If the applicant is coming off a self-insured plan, the state assigns a private insurer to provide individual health insurance. If the applicant is coming off an employer plan provided by an insurance company, the insurer is required to convert coverage to an individual policy. Hawaii
Department of Commerce & Consumer Affairs
HIPAA-eligible individuals: Every private insurance company must provide HIPAA-eligible applicants with a policy on a guaranteed-issue basis without a limit on the premium. Idaho
Department of Insurance Eligibility: (1) Idaho resident, (2) under 65, (3) ineligible for Medicare and Medicaid, (4) without health insurance coverage, (5) applied for and denied coverage because of health status or accepted with a higher premium, and (6) unable to obtain substantially similar health insurance coverage, or (7) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into the HRP with no exclusions for preexisting conditions.
Eligibility: (1) U.S. citizen, (2) Illinois resident more than 179 days, and (3) with written proof of inability to purchase insurance coverage because of a preexisting condition or evidence of qualifying medical condition with confirming physician letter, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed a CHIP plan with no exclusions for preexisting conditions. Indiana
Department of Insurance Eligibility: (1) Resident of Indiana for 12 months, (2) ineligible for Medicaid, and (3) ineligible for insurance plan that equals or exceeds minimum requirements for ICHIA policies, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into risk pool with no exclusions for preexisting conditions.
Eligibility:
(1) HIPAA-eligible individuals: Applicants are guaranteed acceptance into HIPIOWA with no exclusions for preexisting conditions. Kansas
Insurance Department Eligibility: (1) Kansas resident for six months, (2) ineligible for insurance coverage, and (3) rejected by two carriers due to health condition, quoted rate higher than KHIA rate, or accepted with preexisting condition exclusions, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into KHIA with no exclusions for preexisting conditions.
Eligibility: (1) Kentucky resident for one year and (2) rejected by private insurer or offered higher premium than Kentucky Access premiums, with qualifying medical condition, or qualified for state's Guaranteed Acceptance Program or (3) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into KA with no exclusions for preexisting conditions. Louisiana
Department of Insurance Eligibility:
(1) HIPAA-eligible individuals: Applicants are guaranteed acceptance into the Louisiana Health Plan with no exclusions for preexisting conditions.
Eligibility:
(1) HIPAA-eligible individuals: Applicants are guaranteed acceptance into MHIP with no exclusions for preexisting conditions.
Eligibility:
(1) HIPAA-eligible individuals: Applicants are guaranteed an individual health insurance policy issued by Blue Cross Blue Shield. Minnesota
Department of Commerce Eligibility:
(1) HIPAA-eligible individuals: Applicants are guaranteed acceptance into MCHA with no exclusions for preexisting conditions. Mississippi
Department of Insurance Eligibility: (1) Mississippi resident for 6 months, (2) with qualified health condition or rejection for individual health coverage within past 12 months, (3) ineligible for Medicare, Medicaid, or other government program, and (4) without coverage under another policy, or (5) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into MCHIRPA without exclusions for preexisting conditions.
Eligibility: (1) Missouri resident and (2) rejected for individual health insurance within past six months, offered coverage with premium exceeding 300% of standard rate, or elected and exhausted COBRA coverage or (3) federally eligible. HIPAA-eligible individual: Applicants are guaranteed acceptance into MHIP with no exclusions for preexisting conditions.
Eligibility: (1) Montana resident and (2) rejected or offered a restrictive rider by two insurers within the past six months, with qualifying condition and ineligible for other health insurance coverage, or paying higher than 150% of the average premium rate or (3) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into MCHA without exclusions for preexisting conditions. Nebraska
Department of Insurance Eligibility: (1) Nebraska resident for six months and (2) rejected or offered a restrictive rider by an insurer within the past six months, accepted with qualifying condition, refused health coverage or offered coverage with a higher premium or (3) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into CHIP with no exclusions for preexisting conditions.
HIPAA-eligible
individuals: Applicants are guaranteed the right to purchase individual
insurance coverage from any company that provides individual health
plans in New
Hampshire Insurance Department Eligibility: (1) New Hampshire resident and (2) applied and rejected for individual coverage, offered a higher premium than NHHP, with qualifying medical condition, or offered insurance with a rider excluding coverage for a condition or (3) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into NHHP with no exclusions for preexisting conditions.
New Eligibility: (1) New Mexico resident, (2) ineligible for Medicaid or Medicare, and (3) rejected from a health insurer, accepted with rate higher than NMMIP, accepted with restrictive rider, with coverage involuntarily terminated because carrier stopped providing insurance in NM, or with physician letter confirming qualifying medical condition, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into NMMIP with no exclusions for preexisting conditions. New
York Insurance Department North
Carolina Department of Insurance HIPAA-eligible individuals: Applicants are guaranteed the right to purchase an insurance policy from any company that provides individual coverage without exclusions for preexisting conditions. For applicants
who are not HIPAA-eligible, Blue Cross Blue Shield in North
Dakota Insurance Department Eligibility: (1) North Dakota resident for 183 days, (2) denied health coverage, offered restricted coverage, offered premium above CHAND rate, or with written evidence of qualifying medical condition, and (3) ineligible for North Dakota's medical assistance program, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into CHAND without exclusions for preexisting conditions. Ohio
Department of Insurance HIPAA-eligible individuals: Applicants are guaranteed the right to purchase insurance from individual health insurance providers at any time during the year. Individuals who are not HIPAA-eligible must be accepted by any carrier that offers individual plans during an open enrollment period (30 days) where a limited number of applicants are accepted without health screening in the order in which they applied. Oklahoma
Insurance Department Eligibility: (1) Resident of Oklahoma for 1 one year, (2) rejected or quoted very high premiums for health insurance by two companies, and (3) not institutionalized in penal, drug, or alcohol facility, or (4) federally eligible. HIPAA- Eligible eligible Individuals individuals: Applicants are guaranteed acceptance into the Oklahoma High Risk Pool with no exclusions for preexisting conditions.
Eligibility: (1) Oregon resident and (2) rejected for health coverage within the past six months for health reasons, agent refuses to apply to a represented insurer for coverage because of applicant's health issues, health insurance is offered with restrictive waiver or excluded coverage, or choice of plans offered by carrier is limited because of applicant's medical condition or (3) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into OMIP with no exclusions for preexisting conditions. Pennsylvania
Insurance Department HIPAA-eligible applicants: Applicants are guaranteed the opportunity to purchase a state-approved policy sold by Blue Cross Blue Shield. For applicants who are not HIPAA-eligible, BCBS in Pennsylvania will sell at least one individual health insurance policy to any resident on a guaranteed-issue basis if the applicant (1) resides within the coverage area and (2) does not have coverage available elsewhere through a spouse, employer, Medicare, or Medicaid. Premium is based on health status.
HIPAA-eligible applicants: All Rhode Island insurance providers must offer and accept HIPAA-eligible applicants immediately for an individual policy with no exclusions for preexisting conditions. The state also has a special program with discounted rates for healthy HIPAA-eligible individuals less than 60 years old who pass medical underwriting. South
Carolina Department of Insurance Eligibility: (1) South Carolina resident for six months and (2) with a rejection letter from an insurance carrier and preexisting condition making applicant ineligible for an individual health insurance or qualifying medical condition or (3) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into SCHIP with no exclusions for preexisting conditions.
HIPAA-eligible individuals: Applicants are guaranteed coverage by the South Dakota High Risk Pool without exclusions for preexisting conditions. Tennessee
Department of Commerce & Insurance HIPAA-eligible
individuals: Applicants are guaranteed the right to purchase an
insurance policy from any company that provides individual coverage
in As of May 2005,
The
Eligibility: (1) Texas resident for 30 days or permanent resident of the U.S. for three years, (2) less than 65, and (3) with evidence of uninsurability or uprating, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into the Texas Health Insurance Risk Pool with no exclusions for preexisting conditions. Utah
Insurance Department Eligibility: (1) Continuous resident of Utah for 12 months, (2) ineligible for Medicare and Medicaid, (3) unable to get insurance through a group employer plan, (4) ineligible for health insurance coverage in the private market, and (5) meets health underwriting criteria established by the state of Utah, or (6) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into HIPUTAH with no exclusions for preexisting conditions.
Virginia
Bureau of Insurance HIPAA-eligible individuals: Applicants are guaranteed coverage by any individual health insurance provider with no exclusions for preexisting conditions. Individuals
who are not HIPAA-eligible are guaranteed coverage by Anthem of
Virginia if they are (1) residents of
Eligibility: (1) Resident of Washington, (2) rejected from other health coverage within the past 90 days, and (3) not enrolled in a public program that duplicates WSHIP's health benefits or resident of a county where individual health benefit plans aren't marketed to the general public, or (4) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into WSHIP with no exclusions for preexisting conditions. DC
Department of Insurance, Securities, & Banking
HIPAA-eligible individuals: Applicants must be offered a choice of at least two policies on a guaranteed issue basis without exclusions for preexisting conditions. Applicants who are not HIPAA-eligible have access to an individual health policy on a guaranteed issue basis through CareFirst BCBS if they are (1) living in the covered DC area, (2) at least 18 years of age, and (3) not currently enrolled in another insurance plan. Premium is based on health status.
HIPAA-eligible
individuals: Applicants are guaranteed the right to buy an individual
health insurance policy from any insurance company that sells policies
in
Eligibility: (1) Wisconsin resident, (2) ineligible for employer-sponsored group health insurance, (3) ineligible for other government insurance programs, and (4) less than 65 with documentation of insurability because of disability, HIV, or a notice of rejection, cancellation, or significant reduction in coverage over past nine months, or (5) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into the HIRSP with no exclusions for preexisting conditions. Wyoming
Insurance Department Eligibility: (1) Resident of Wyoming and (2) refused coverage for health reasons by one insurer, provided with coverage more restrictive than pool, or given health insurance coverage at rate exceeding the pool or (3) federally eligible. HIPAA-eligible individuals: Applicants are guaranteed acceptance into WHIP with no exclusions for preexisting conditions. |