Illinois Comprehensive Health Insurance Plan (HIPAA-CHIP)

→ Click here for Illinois HIPAA-CHIP 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 Illinois Comprehensive Health Insurance Plan (HIPAA-CHIP). Note:

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

HIPAA Eligibility

To be HIPAA eligible in Illinois, 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 HIPAA-CHIP coverage cost?

HIPAA-CHIP charges different rates based on the plan chosen, geographic area of residence, age and gender. Illinois law caps premiums at 135% of what a healthy person would pay for a similar plan sold by a private insurer. Click here to view rates.

HIPAA-CHIP Coverage Highlights

1. $1.5 million lifetime maximum benefit
2. PPO plan offers 5 deductibles: $500, $1000, $1500, $2500, $5000
3. 80/20 Co-insurance (In Network) or 60/40 (Out of Network)
4. Prescription Drug Card Program pays for 80% of the cost of any covered generic drug or branded prescription
5. For more coverage information, view the ICHIP-HIPAA Brochure

How can I be insured with ICHIP?

For enrollment information visit ICHIP online at www.chip.state.il.us or call (866) 851-2751.

Special insurance for children: Illinois All Kids

All Kids provides discounted insurance. For example, a family of four that earning between $40,000 and $59,999 a year would pay a $40 monthly premium per child.

• Do you qualify? Visit Eligibility and Costs
• For coverage details vies the All Kids Handbook
• Questions? View the All Kids FAQs or call (866) 255-5437