Wisconsin's Health Insurance Risk Sharing Pool (HIRSP)

→ Click here to view HIRSP 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, Wisconsin's Health Insurance Risk Sharing Pool (HIRSP). Note:

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

HIPAA Eligibility

To be HIPAA eligible in Wisconsin, 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 HIRSP coverage cost?

HIRSP charges different rates based on the plan chosen, geographic area of residence, age and gender. Wisconsin caps premiums at 200% of what a healthy person would pay for a similar plan sold by a private insurer. Click here to view HIRSP rates.

HIRSP Coverage Highlights

• $1 million lifetime benefit maximum
• HPlan deductibles of $1000 or $2500
• 80/20 co-insurance
• Out of pocket limits: $2000 or $3500
• Benefits include hospital and physician care, prescription drugs, maternity, etc.

How can I be insured with HIRSP?

For enrollment information, visit the Wisconsin's Health Insurance Risk Sharing Pool online at www.hirsp.org, or call (800) 828-4777.

Special insurance for children: Healthy Start

A family of four making up to $38,196 a year may be eligible for Healthy Start.

• Questions? Call (800) 362-3002