Missouri Health Insurance Pool (MHIP)

→ Click here to view MHIP rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the Missouri Health Insurance Pool (MHIP). Note:

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

HIPAA Eligibility

To be HIPAA eligible in Missouri, 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 MHIP coverage cost?

Premiums vary based on the plan selected, age and gender. Missouri limits MHIP premiums to no more than 200% of what a healthy person would pay for a similar plan sold by one of the state’s five largest insurers. Click here to view MHIP rates.

MHIP Coverage Highlights

• $1 million lifetime individual maximum benefit
• Deductibles from $500 to $5000; out of pocket maximums from $2500 to $5000
• For MHIP overview, view the MHIP Brochure
• For MHIP coverage, view the view the Blue Cross Anthem Brochure

How can I get insurance from MHIP?

For enrollment information, visit the Missouri Health Insurance Pool online at www.mhip.org, or call (800) 821-2231.

Special insurance for children: MC+

A family of four making up to $61,956 a year may be eligible for MC+.

• Do you qualify? Visit Eligibility
• Questions? View their FAQs, or call (888) 275-5908