State High Risk Pools

 
   
States That Have Risk Pools:
 
 
 
 

Alabama (for portability only)
Alabama Health Insurance Plan
Phone 1-800-513-1384 or (334) 242-4301

Alaska
Alaska Comprehensive Health Insurance Association
Phone 1-800-467-8725 or (907) 269-7900

Arkansas
Arkansas Comprehensive Health Insurance Pool
Phone
1-800-285-6477

California
California Major Risk Medical Insurance Program
Phone 1-800-289-6574 or (916) 324-4695

Colorado
CoverColorado
Phone (303) 863-1960

Connecticut
Connecticut Health Reinsurance Association

Phone 1-800-842-0004

Florida (not open for new enrollees)
Phone (850) 309-1200
 

Idaho
Idaho Individual High Risk Reinsurance Pool

Illinois
Illinois Comprehensive Health Insurance Plan
Phone 1-800-367-6410 or (217) 782-6333

Indiana
Indiana Comprehensive Health Association
Phone 1-800-552-7921 or (317) 614-2000

Iowa
Iowa Comprehensive Health Association
Phone
(877) 793-6880

Kansas
Kansas Health Insurance Association
Phone 1-800-362-9290 or (316) 792-1779

Kentucky
Kentucky Access
Phone (
502) 573-1026

Louisiana
Louisiana Health Insurance Association
Phone 1-800-736-0947 or (
225) 926-6245  

Maryland
Maryland Health Insurance Plan
Phone (888) 444-9016

Minnesota
Minnesota Comprehensive Health Association
Phone (
866) 894-8053

Mississippi
Mississippi Comprehensive Health Insurance Risk Pool
Phone (601) 899-9967 or (888) 820-9400

 

Missouri
Missouri Health Insurance Pool

Phone 1-800-843-6447 (All but NW Missouri)
Phone 1-800-645-8346 (NW Missouri)

Montana
Montana Comprehensive Health Insurance Association
Phone (406) 444-8200

Nebraska  
Nebraska Comprehensive Health Association
Phone (402) 343-3574 or (877) 348-4304

New Hampshire
New Hampshire Health Plan
Phone (603) 225-6633 or (877) 888-6447

New Mexico
New Mexico Medical Insurance Pool

Phone (866) 622-4711

North Carolina
North Carolina Health Insurance Risk Pool

Phone (866) 665-2117

North Dakota
Comprehensive Health Association Of North Dakota
Phone 1-800-737-0016 or (701) 282-1235

Oklahoma
Oklahoma Health Insurance High Risk Pool
Phone 1-800-255-6065 or (
405) 741-8434

Oregon
Oregon
Medical Insurance Pool
Phone 1-800-848-7280

South Carolina
South Carolina
Health Insurance Pool
Phone 1-800-868-2500, ext. 42757, or 1-803-788-0500,
ext. 42757
 

South Dakota
South Dakota Risk Pool

Phone (605) 773-3148

Tennessee
CoverTennessee  (AccessTN)
Contact Tennessee area county medical assistance offices, or
Phone (
866) 636-0080

Texas
Texas Health Insurance Risk Pool
Phone 1-888-398-3927 

Utah
Utah Comprehensive Health Insurance Pool
Phone 1-800-538-5038 or (801) 442-5038

Washington
Washington State
Health Insurance Pool
Phone 1-800-877-5187

West Virginia
AccessWV

Phone 1-866-445-8491

Wisconsin
Wisconsin Health Insurance Risk Sharing Plan
Phone
1 -800-828-4777 or (608) 441-5777

Wyoming
Wyoming Health Insurance Pool

Phone (307) 634-1393
Only in Wyoming 1-800-438-5768

FEDS FAIL WITH HIGH RISK POOLS

 

What’s so ridiculous about this lack of flexibility is that in nearly every very context, it appears the states do a better job of reaching their people. A report from the GAO requested by Sen. Mike Enzi (R-WY) uses the example of high risk pool difficulties to provide another illustration:

As of April 30, 2011 the Government Accountability Office found, the 27 states that operate their own pools had enrolled 15,781 people with pre-existing conditions. The federally-operated pool for the 23 other states and the District of Columbia, by contrast, only had 5,673 enrollees…

The report found that enrollment figures ranged from 0 in Vermont and 1 in Massachusetts (both operated by the Department of Health and Human Services) to 3,191 in the state-run Pennsylvania pool.

Democrats' healthcare reform law set aside $5 billion to help people with pre-existing conditions obtain affordable coverage before insurance exchanges go online in 2014. The program has come under criticism for failing to meet expectations, with fewer than 22,000 people enrolled as of April 30, far short of the 200,000 to 350,000 that had been predicted.

The program's early failure in Vermont is especially noteworthy because federal officials last year rejected two proposals by the Green Mountain State to run its own pool. Vermont had proposed expanding its existing health insurance programs or working with Blue Cross and Blue Shield to establish a new program, according to the Burlington Free Press, but HHS rejected the proposals in part because they would not have been effective soon enough to comply with the law 

States are using their high risk pools until 2014 when the PPACA Individual Mandate will apply.  Some states are looking to High Risk Pools as a fallback position if PPACA is ruled unconstitutional or they can get a PPACA waiver.  Here is a listing of existing State High Risk Pools for those interested.

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