High Risk Health Insurance

The group insurance market has offered guaranteed issue medical insurance for many years because the insurers could charge a rate appropriate to the medical claims use of each group. Although not originally visible by the private insurance industry, high risk health plans are now available through a few health insurance companies for persons in the individual health insurance market.

Today several insurance companies such as Time Insurance Company offer an impaired risk medical plan to individuals at very reasonable rates, however these risk medical plans might not be available in all states. If you have been turned down or offered an exclusionary rider on / for an individual or family health insurance policy you may want to call one of our agent or brokers at Health of America Insurance Agency to see if they have a high risk medical insurance policy available in your state for your situation. The impaired risk medical insurance market may offer coverage for some diabetes, leukemia, crones, heart disease, hemophilia and other conditions. These health insurance companies offering high risk medical may even offer standard rates on their insurance policy for some types of mild asthma, allergies, headaches, migraines and acid reflex.

If you are unable to obtain individual health insurance from the impaired risk insurance companies than you may also what to contact one of our agents or brokers regarding a state risk insurance policy. State high-risk health insurance plans were first introduced in 1976 in Minnesota and Connecticut, and risk pools have grown in number and have evolved in their role in addressing inequities and inadequacies of the health care system. The states that have risk plans available for their residents are Alabama (for portability only), Alaska, Arkansas, California, Colorado, Connecticut, Florida (not open for new enrollees), Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin, Wyoming.