Mississippi Comprehensive Health Insurance Risk Pool Association (MCHIRPA)

→ Click here to go the MCHIRPA site and calculate your rate

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the Mississippi Comprehensive Health Insurance Risk Pool Association (MCHIRPA). Note:

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

HIPAA Eligibility

To be HIPAA eligible in Mississippi, 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 MCHIRPA coverage cost?

MCHIRPA charges different rates based on the plan chosen and age of the applicant. Mississippi law caps MCHIRPA premiums at 150% of the market rate at initially, and ultimately at 175% of the average market rate for a similar plan sold by a private insurer. Click here to go the MCHIRPA site and calculate your rate.

MCHIRPA Coverage Highlights

• $500,000 lifetime maximum benefit
• PPO plans deductibles of $1000, $2000, $3000, $5000 and $10,000
• Each plan has a separate prescription drug deductible
• No maximum annual out-of-pocket limits
• For more information, click here to read the MCHIRPA Brochure

How can I be insured with MCHIRPA?

For enrollment information, visit the Mississippi Health Pool Association online at www.mississippihealthpool.org or call (888) 820-9400.

Special insurance for children: CHIP

• Do you qualify? Visit Eligibility
• Questions? Call (877)-513-7669