Arkansas Comprehensive Health Insurance Pool (ACHIP)

→ View current Arkansas healthcare insurance rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the Arkansas high-risk pool plan. This coverage is called the Arkansas Comprehensive Health Insurance Pool (ACHIP). Note:

• ACHIP prohibits pre-existing condition exclusion periods or elimination riders
• ACHIP is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Arkansas, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does ACHIP coverage cost?

ACHIP charges different rates based on the deductible chosen, age and tobacco use. Arkansas law caps premiums at 150% of the amount a healthy person would pay for a similar plan sold by a private insurer. Click here to view rates in Arkansas

Arkansas CHIP Coverage Highlights

ACHIP charges different rates based on the deductible chosen, age and tobacco use. Arkansas law caps premiums at 150% of the amount a healthy person would pay for a similar plan sold by a private insurer. Click here to view rates in Arkansas

• $1 Million lifetime maximum benefit
• Three PPO plans offered: $1000, $5000, or $10,000 deductible
• Maximum out of pocket:
  • In Network = $1000 plus deductible
  • Out of Network = No Limit
• Benefits include hospital, physician and nursing care, prescription drugs; Maternity coverage is available for an extra premium
• For more information, view the Outline of Coverage or Policy Form

How can I learn more about HIPAA in Arkansas?

Visit the ACHIP website at www.chiparkansas.org or call them at (800) 285-6477.

Special insurance for children: ARKids First

A family of four making up to $41,000 a year may be eligible for ARKids First.

• Do you qualify? Visit Eligibility.
• To discover what’s covered visit Benefits.
• Questions? Visit their FAQs, or call (888) 474-8275.