Nebraska Comprehensive Health Insurance Pool (NeCHIP)

→ Click here to view a NeCHIP brochure

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you have the guaranteed right to buy an individual health insurance policy from the Nebraska Comprehensive Health Insurance Pool (NeCHIP). Note:

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

HIPAA Eligibility

To be HIPAA eligible in Nebraska, 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 NeCHIP coverage cost?

NeCHIP charges different rates based on the plan chosen, where you live, age, gender, and tobacco use. Under Nebraska law, premiums are set at 135 % of average standard health insurance rates. Premiums for children are set at 50 percent of the standard rate. Click here to calculate NeCHIP rates.

NeCHIP Coverage Highlights

• $1 million lifetime benefit limit
• PPO plan: choice of deductibles from $500 to $10000
• Out of pocket limits:
  • $1500 (in network)
  • $2500 deductible with a $5000 out of pocket maximum
  • $3000 (out of network)
• Benefits include hospital & physician care, prescription drugs, x-ray and lab, etc.
• For more information, view the NeCHIP Brochure

How can I be insured with NeCHIP?

For enrollment information, visit the Nebraska Comprehensive Health Insurance Pool online at www.nechip.com, or call (877) 348-4304.

Special insurance for children: Kids Connection

A family of four making up to $38,208 a year may be eligible for Kids Connection.

• Do you qualify? Visit Eligibility
• Questions? Visit their FAQs or call (877) 632-5437