Iowa Comprehensive Health Association (HIP-IOWA)

→ Click here for Iowa HIP-IOWA rate information

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you can buy an individual health insurance policy from the Iowa Comprehensive Health Association (HIP-IOWA). Note:

• HIP-IOWA prohibits pre-existing conditions, exclusions periods and elimination riders
• HIP-IOWA is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Iowa, 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 HIP-IOWA coverage cost?

HIP-IOWA charges different rates based on the plan chosen, age and deductible you choose. Iowa caps premiums at 150% of what a healthy person would pay for a similar plan sold by a private insurer. Click here to view rates.

HIP-IOWA Highlights

1. $3 million individual lifetime maximum
2. Annual deductibles of $1000, $1500, or $2500
3. Out of pocket limits range from $1500 to $5000
4. After deductible paid, 80/20 coinsurance
5. Routine maternity care is not covered: maternity coverage can be added for an additional premium.
6. For more information see, the Outline of Coverage

How can I get insurance from HIPIOWA?

For enrollment information, visit HIP-IOWA online at www.hipiowa.com or call (877) 793-6880.

Special insurance for children: Hawk-i

A family of four making up to $41,300 a year may be eligible for Hawk-i.

• Do you qualify? Visit Eligibility
• To see what’s covered visit Benefits
• For health plan information visit Providers or call 800-257-8563