Idaho High Risk Pool Plan (HRP)

→  Click here for Idaho High Risk Pool Plan rate information

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you are guaranteed the right to buy an individual health insurance policy from the Idaho High Risk Pool Plan (HRP). Note:

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

HIPAA Eligibility

To be HIPAA eligible in Idaho, 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 the Idaho HRP Plan cost?

Idaho HRP premiums vary based on the plan chosen, geographic area of residence, age, gender and tobacco use. Idaho law caps premiums at 125-150% of what a healthy person would pay for a similar plan sold by a private insurer. Click here to view rates.

Idaho HRP Coverage Highlights

The Idaho High-Risk Pool differs from most state high-risk pools. All Idaho carriers who offer individual health insurance must also offer the Idaho Individual High-Risk Reinsurance Pool plans. The Basic Plan has a lifetime maximum of $500,000. All other plans have a maximum of $1 million. To view a comparison of HRP plans, click here. For general information about HRP plans, click here. To view a list of approved companies, click here.

How can I be insured with Idaho HRP?

For enrollment information contact the Idaho HRP online at www.doi.idaho.gov or call them at (800) 721-3272 (in Idaho) or (208) 334-4250.

Special insurance for children: IdahoChild

A family of four making up to $36,996 a year may be eligible for IdahoChild.

• Do you qualify? Visit Eligibility
• Questions? Call (800) 926-2588