Oregon Medical Insurance Pool (OMIP)

→ Click here to view OMIP rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the state high-risk pool, Oregon Medical Insurance Pool (OMIP). Note:

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

HIPAA Eligibility

To be HIPAA eligible in Oregon, 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 OMIP coverage cost?

OMIP premiums are based on deductible chosen, type of coverage, and age of applicant. IMPORTANT NOTE: HIPAA eligible enrollees are currently charged the same amount that a healthy person would pay for a similar plan sold by a private insurer. Click here to view OMIP rates.

OMIP Coverage Highlights

• $1 million lifetime benefit maximum
• Deductibles of $750 and $1500 are available
• There are no enrollment limits for OMIP coverage
• For more information, view the OMIP Summary

How can I get insurance from OMIP?

For enrollment information visit OMIP online at www.omip.state.or.us or call (800) 848-7280.

Special insurance for children: OHP Plus

• Do you qualify? Visit Eligibility & Benefits
• Questions? Call (800) 527-5772