Below are some details about the new federal high risk pool. MHIP has applied for and been granted the contract to operate this new pool by the U.S. Department of Health and Human Services. Funding for the pool is made available by the federal Patient Protection and Affordable Care Act, signed by President Barack Obama in March 2010. The new federal program funding high risk pools is known as the Pre-existing Condition Insurance Plan (PCIP). MHIP has also run a state-mandated high risk pool since 1991.

How can I determine if I am eligible?

Applicants must:

• Be a citizen or national of the United States or lawfully present in the United States.
• Have been uninsured for at least the last six months.
• Have had a problem getting insurance due to a pre-existing condition.
• Be a resident of the state of Missouri

How do I apply?

Visit the MHIP website at www.mhip.org, download the application, print and mail it to the address as shown.  You can also call the Missouri Health Insurance Pool (MHIP) office at 800.821.2231 or 816.531.6405 and the application will be mailed to you. Applications can also be requested from and should be mailed directly to the enrollment department at RightCHOICE Benefit Administrators.  Contact Us.

What is a pre-existing condition?

A pre-existing condition is a condition, disability or illness (either physical or mental) that you have before you enrolled in a health plan.

Will the plan cover my pre-existing condition?

Yes. Under federal law, the plan may not make any limitation, restriction or exclusion on coverage of pre-existing medical conditions.

What are the rates?

Rates vary depending on your age, gender and where you live. Click here to view our rates.

What are the deductibles and out-of-pocket costs?

The plan has a $1,000 annual deductible for medical and $100 for prescription drugs. The maximum out-of-pocket cost is $5,950 per year. After reaching your deductible, you pay 20 percent of your medical claims and the plan pays 80 percent.