Health Insurance for those with Pre-existing Condition
If you have pre-existing condition or high-risk health condition, and are not covered by employer group health insurance plan, you can enroll in your state's high risk pool program.
High Risk pool program is a special state-created health insurance program that serve as a safety net to people with chronic health conditions and high health risks.
With high-risk pool, you have access to comprehensive medical coverage. Premiums, although capped by law, are expensive, typically ranging between 1.5 to 2 times more than similar individual health insurance plan.
Like private health insurance companies, high-risk pools have a waiting period of 6-12 months on coverage of pre-existing health conditions.
Sometimes high-risk pools will waive the pre-existing, high-risk health condition exclusion period if you have prior coverage.
Currently, there are about 31 states offer high-risk pool programs that cover those with pre-existing condition.
State-by-State Guide to Finding Affordable Health Insurance as well as Low Cost or Free Health Care Coverage
Alabama
Alaska Arizona
Arkansas California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
