Risk Pool Table

State Sponsored Health Insurance

If You Can't Qualify For Medical Insurance There Is Help For You

Most States offer a health insurance product for people who can not qualify for individual health insurance due to a pre-existing condition. If you have been turned down by a health insurance carrier in your State or you have a pre-existing condition that prohibits you from qualifying for individual health insurance you can use this simple tool to find out information about your State health insurance pool and how to apply for coverage.

Alabama 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield $2,500 $169.00
35 Blue Cross Blue Shield $2,500 $240.00
45 Blue Cross Blue Shield $2,500 $322.00
55 Blue Cross Blue Shield $2,500 $452.00
  Average Group Plan $1,500 $329.00
Get more info about State-Guaranteed Coverage in Alabama

Alaska 2008

Age Carrier Deductible Monthly Premium
25 ACHIA $2,500 $334.00
35 ACHIA $2,500 $422.00
45 ACHIA $5,000 $439.00
55 ACHIA $5,000 $686.00
  Average Group Plan $1,500 $378.00
Get more info about State-Guaranteed Coverage in Alaska

Arizona 2008

Age Carrier Deductible Monthly Premium
25M Blue Cross Blue Shield
 $2,000
 $362.00
35M Blue Cross Blue Shield $2,000 $484.00
45F Blue Cross Blue Shield $2,000 $909.00
55F Blue Cross Blue Shield $2,000 $1,220.00
  Average Group Plan $1,500 $357.00
Get more info about State-Guaranteed Coverage in Arizona

Arkansas 2008

Age Carrier Deductible Monthly Premium
25M ACHIP
 $1,000 $154.00
35F ACHIP $1,000 $308.00
45M ACHIP $1,000 $350.00
55F ACHIP $1,000 $595.00
  Average Group Plan $1,500 $300.00
Get more info about State-Guaranteed Coverage in Arkansas

California 2008

Age Carrier Deductible Monthly Premium
25 Kaiser Permanente
 $2,500 $257.00
35 Kaiser Permanente $2,500 $326.00
45 Kaiser Permanente $2,500 $402.00
55 Kaiser Permanente $2,500 $532.00
  Average Group Plan $1,500 $336.00
Get more info about State-Guaranteed Coverage in California

Colorado 2008

Age Carrier Deductible Monthly Premium
25M CoverColorado $2,000 $130.00
35F CoverColorado $2,000 $277.00
45M CoverColorado $2,000 $272.00
55F CoverColorado $2,000 $504.00
  Average Group Plan $1,500 $335.00
Get more info about State-Guaranteed Coverage in Colorado

Connecticut 2008

Age Carrier Deductible Monthly Premium
25M United Healthcare
 $1,500 $309.00
35M United Healthcare $1,500 $411.00
45F United Healthcare $1,500 $709.00
55F United Healthcare $1,500 $951.00
  Average Group Plan $1,500 $367.00
Get more info about State-Guaranteed Coverage in Connecticut

Delaware 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
 $750 $808.00
35 Blue Cross Blue Shield
 $750 $882.00
45 Blue Cross Blue Shield $750 $999.00
55 Blue Cross Blue Shield $750 $1,159.00
  Average Group Plan $1,500 $393.00
Get more info about State-Guaranteed Coverage in Delaware

Florida 2008

Age Carrier Deductible Monthly Premium*
25 Blue Cross Blue Shield
 $2,000 $284.00
35
 Blue Cross Blue Shield $2,000 $380.00
45 Blue Cross Blue Shield $2,000 $472.00
55 Blue Cross Blue Shield $2,000 $686.00
  Average Group Plan $1,500 $328.00
Get more info about State-Guaranteed Coverage in Florida
*Monthly Premiums are estimates

Georgia 2008

Age Carrier Deductible Monthly Premium
25M Georgia Assignment $2,500 $184.00
35M Georgia Assignment
 $2,500 $233.00
45F Georgia Assignment
 $2,500 $410.00
55F Georgia Assignment
 $2,500 $505.00
  Average Group Plan $1,500 $323.00
Get more info about State-Guaranteed Coverage in Georgia

Hawaii 2008

Age Carrier Deductible Monthly Premium*
25M Kaiser Permanente
 $0 $90.00
35M Kaiser Permanente $0 $126.00
45F Kaiser Permanente $0 $239.00
55F Kaiser Permanente $0 $310.00
  Average Group Plan $1,500 $300.00
Get more info about State-Guaranteed Coverage in Hawaii
*Final rates are subject to applicant's health condition at time of application

Idaho 2008

Age Carrier Deductible Monthly Premium
25 All Individual Market Carriers
 $3,000 $126.00
35 All Individual Market Carriers $3,000 $167.00
45 All Individual Market Carriers $3,000 $236.00
55 All Individual Market Carriers $3,000 $395.00
  Average Group Plan $1,500 $300.00
Get more info about State-Guaranteed Coverage in Idaho

Illinois 2008

Age Carrier Deductible Monthly Premium
25M ICHIP $2,000 $264.00
35M ICHIP $2,000 $345.00
45F ICHIP $2,000 $606.00
55F ICHIP $2,000 $800.00
  Average Group Plan $1,500 $354.00
Get more info about State-Guaranteed Coverage in Illinois

Indiana 2008

Age Carrier Deductible Monthly Premium
25M ICHIA $2,500 $196.00
35M ICHIA
 $2,500 $237.00
45F ICHIA $2,500 $418.00
55F ICHIA $2,500 $658.00
  Average Group Plan $1,500 $332.00
Get more info about State-Guaranteed Coverage in Indiana

Iowa 2008

Age Carrier Deductible Monthly Premium
25M HIPIowa
 $2,500 $201.00
35M HIPIowa $2,500 $235.00
45F HIPIowa $2,500 $436.00
55F HIPIowa $2,500 $507.00
  Average Group Plan $1,500 $326.00
Get more info about State-Guaranteed Coverage in Iowa

Kansas 2008

Age Carrier Deductible Monthly Premium
25M KHIA $2,500 $172.00
35M KHIA $2,500 $223.00
45F KHIA $2,500 $438.00
55F KHIA $2,500 $533.00
  Average Group Plan $1,500 $319.00
Get more info about State-Guaranteed Coverage in Kansas

Kentucky 2008

Age Carrier Deductible Monthly Premium
25M Kentucky Access
 $1,500 $174.00
35M Kentucky Access $1,500 $230.00
45F Kentucky Access $1,500 $393.00
55F Kentucky Access $1,500 $513.00
  Average Group Plan $1,500 $316.00
Get more info about State-Guaranteed Coverage in Kentucky

Louisiana 2008

Age Carrier Deductible Monthly Premium
25M Louisiana Health Plan
 $3,500 $185.00
35M Louisiana Health Plan $3,500 $249.00
45F Louisiana Health Plan $3,500 $440.00
55F Louisiana Health Plan $3,500 $631.00
  Average Group Plan $1,500 $328.00
Get more info about State-Guaranteed Coverage in Louisiana

Maine 2008

Age Carrier Deductible Monthly Premium
25 MEGA Life and Health
 $3,500 $167.00
35 MEGA Life and Health $3,500 $167.00
45 MEGA Life and Health $3,500 $167.00
55 MEGA Life and Health $3,500 $167.00
  Average Group Plan $1,500 $389.00
Get more info about State-Guaranteed Coverage in Maine

Maryland 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
 $2,500 $90.00
35 Blue Cross Blue Shield $2,500 $125.00
45 Blue Cross Blue Shield $2,500 $158.00
55 Blue Cross Blue Shield $2,500 $193.00
  Average Group Plan $1,500 $328.00
Get more info about State-Guaranteed Coverage in Maryland

Massachusetts 2008

Age Carrier Deductible Monthly Premium
25 Harvard Pilgrim
 $2,000 $136.00
35 Neighborhood Health Plan
 $2,000 $198.00
45 Neighborhood Health Plan $2,000 $250.00
55 Neighborhood Health Plan $2,000 $294.00
  Average Group Plan $1,500 $371.00
Get more info about State-Guaranteed Coverage in Massachusetts

Michigan 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
 $0 $139.00
35 Blue Cross Blue Shield $0 $209.00
45 Blue Cross Blue Shield $0 $282.00
55 Blue Cross Blue Shield $0 $504.00
  Average Group Plan $1,500 $371.00
Get more info about State-Guaranteed Coverage in Michigan

Minnesota 2008

Age Carrier Deductible Monthly Premium
25 MCHA
 $2,000 $179.00
35 MCHA $2,000 $212.00
45 MCHA $2,000 $289.00
55 MCHA $2,000 $469.00
  Average Group Plan $1,500 $332.00
Get more info about State-Guaranteed Coverage in Minnesota

Mississippi 2008

Age Carrier Deductible Monthly Premium
25M Blue Cross Blue Shield
 $3,000 185.00
35M Blue Cross Blue Shield $3,000 $243.00
45F Blue Cross Blue Shield $3,000 $320.00
55F Blue Cross Blue Shield $3,000 $403.00
  Average Group Plan $1,500 $309.00
Get more info about State-Guaranteed Coverage in Mississippi

Missouri 2008

Age Carrier Deductible Monthly Premium
25M Blue Cross Blue Shield
 $2,500 $208.00
35M Blue Cross Blue Shield $2,500 $266.00
45F Blue Cross Blue Shield $2,500 $569.00
55F Blue Cross Blue Shield $2,500 $655.00
  Average Group Plan $1,500 $330.00
Get more info about State-Guaranteed Coverage in Missouri

Montana 2008

Age Carrier Deductible Monthly Premium
25 MCHA $2,500 $282.00
35 MCHA $2,500 $341.00
45 MCHA $2,500 $467.00
55 MCHA $2,500 $663.00
  Average Group Plan $1,500 $345.00
Get more info about State-Guaranteed Coverage in Montana

Nebraska 2008

Age Carrier Deductible Monthly Premium
25M Blue Cross Blue Shield
 $2,000 $179.00
35M Blue Cross Blue Shield $2,000 $243.00
45F Blue Cross Blue Shield $2,000 $465.00
55F Blue Cross Blue Shield $2,000 $642.00
  Average Group Plan $1,500 $324.00
Get more info about State-Guaranteed Coverage in Nebraska

Nevada 2008

Age Carrier Deductible Monthly Premium
25M All Individual Market Carriers
 $1,000 $143.00
35M All Individual Market Carriers $1,000 $172.00
45F All Individual Market Carriers $1,000 $315.00
55F All Individual Market Carriers $1,000 $434.00
  Average Group Plan $1,500 $300.00
Get more info about State-Guaranteed Coverage in Nevada

New Hampshire 2008

Age Carrier Deductible Monthly Premium
25 NHHP $2,500 $194.00
35 NHHP $2,500 $228.00
45 NHHP $2,500 $389.00
55 NHHP $2,500 $648.00
  Average Group Plan $1,500 $385.00
Get more info about State-Guaranteed Coverage in New Hampshire

New Jersey 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
 $2,500 $345.00
35 Blue Cross Blue Shield $2,500 $345.00
45 Blue Cross Blue Shield $2,500 $345.00
55 Blue Cross Blue Shield $2,500 $345.00
  Average Group Plan $1,500 $373.00
Get more info about State-Guaranteed Coverage in New Jersey

New Mexico 2008

Age Carrier Deductible Monthly Premium
25M NMMIP $2,000 $136.00
35M NMMIP $2,000 $189.00
45F NMMIP $2,000 $315.00
55F NMMIP $2,000 $367.00
  Average Group Plan $1,500 $336.00
Get more info about State-Guaranteed Coverage in New Mexico

New York 2008

Age Carrier Deductible Monthly Premium
25 GHI Alliance $0 $388.00
35 GHI Alliance $0 $388.00
45 GHI Alliance $0 $388.00
55 GHI Alliance $0 $388.00
  Average Group Plan $1,500 $384.00
Get more info about State-Guaranteed Coverage in New York

North Carolina 2008

Age Carrier Deductible Monthly Premium
25M Inclusive Health $2,500 $216.00
35M Inclusive Health $2,500 $268.00
45F Inclusive Health $2,500 $497.00
55F Inclusive Health $2,500 $673.00
  Average Group Plan $1,500 $336.00
Get more info about State-Guaranteed Coverage in North Carolina

North Dakota 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
 $1,000 $256.00
35 Blue Cross Blue Shield $1,000 $326.00
45 Blue Cross Blue Shield $1,000 $409.00
55 Blue Cross Blue Shield $1,000 $550.00
  Average Group Plan $1,500 $316.00
Get more info about State-Guaranteed Coverage in North Dakota

Ohio 2008

Age Carrier Deductible Monthly Premium
25M United Healthcare Golden Rule $1,000 $166.00
35M United Healthcare Golden Rule $1,000 $220.00
45F United Healthcare Golden Rule $1,000 $380.00
55F United Healthcare Golden Rule $1,000 $580.00
  Average Group Plan $1,500 $338.00
Get more info about State-Guaranteed Coverage in Ohio

Oklahoma 2008

Age Carrier Deductible Monthly Premium
25M OHRP $3,000 $134.00
35M OHRP $3,000 $189.00
45F OHRP $3,000 $346.00
55F OHRP $3,000 $486.00
  Average Group Plan $1,500 $331.00
Get more info about State-Guaranteed Coverage in Oklahoma

Oregon 2008

Age Carrier Deductible Monthly Premium
25 OMIP $1,500 $166.00
35 OMIP $1,500 $207.00
45 OMIP $1,500 $258.00
55 OMIP $1,500 $326.00
  Average Group Plan $1,500 $344.00
Get more info about State-Guaranteed Coverage in Oregon

Pennsylvania 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
 $1,500 $484.00
35 Blue Cross Blue Shield $1,500 $484.00
45 Blue Cross Blue Shield $1,500 $484.00
55 Blue Cross Blue Shield $1,500 $484.00
  Average Group Plan $1,500 $356.00
Get more info about State-Guaranteed Coverage in Pennsylvania

Rhode Island 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield $2000 $496.32
35 Blue Cross Blue Shield $2000 $496.32
45 Blue Cross Blue Shield $2000 $496.32
55 Blue Cross Blue Shield $2000 $496.32
  Average Group Plan $1,500 $383.00
Get more info about State-Guaranteed Coverage in Rhode Island

South Carolina 2008

Age Carrier Deductible Monthly Premium
25M SCHIP $1,500 $317.00
35M SCHIP $1,500 $423.00
45M SCHIP $1,500 $639.00
55F SCHIP $1,500 $931.00
  Average Group Plan $1,500 $334.00
Get more info about State-Guaranteed Coverage in South Carolina

South Dakota 2008

Age Carrier Deductible Monthly Premium
25M SDRP $3,000 $183.00
35M SDRP $3,000 $242.00
45F SDRP $3,000 $421.00
55F SDRP $3,000 $594.00
  Average Group Plan $1,500 $328.00
Get more info about State-Guaranteed Coverage in South Dakota

Tennessee 2008

Age Carrier Deductible Monthly Premium
25 AccessTN
 $2,500 $318.00
35 AccessTN $2,500 $369.00
45 AccessTN $2,500 $449.00
55 AccessTN $2,500 $534.00
  Average Group Plan $1,500 $312.00
Get more info about State-Guaranteed Coverage in Tennessee

Texas, 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield $2,500 $205.00
35 Blue Cross Blue Shield $2,500 $349.00
45 Blue Cross Blue Shield $2,500 $339.00
55 Blue Cross Blue Shield $2,500 $540.00
  Average Group Plan $1,500 $344.00
Get more info about State-Guaranteed Coverage in Texas

Utah 2008

Age Carrier Deductible Monthly Premium
25 HIPUtah $2,500 $223.00
35 HIPUtah $2,500 $306.00
45 HIPUtah $2,500 $338.00
55 HIPUtah $2,500 $446.00
  Average Group Plan $1,500 $321.00
Get more info about State-Guaranteed Coverage in Utah

Vermont 2008

Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
 $3,500 $578.00
35 Blue Cross Blue Shield $3,500 $578.00
45 Blue Cross Blue Shield $3,500 $578.00
55 Blue Cross Blue Shield $3,500 $578.00
  Average Group Plan $1,500 $360.00
Get more info about State-Guaranteed Coverage in Vermont

Virginia 2008

Age Carrier Deductible Monthly Premium*
25M Blue Cross Blue Shield
 $3,000 $323.00
35M Blue Cross Blue Shield $3,000 $374.00
45F Blue Cross Blue Shield $3,000 $420.00
55F Blue Cross Blue Shield $3,000 $516.00
  Average Group Plan $1,500 $300.00
Get more info about State-Guaranteed Coverage in Virginia

Washington 2008

Age Carrier Deductible Monthly Premium
25 WSHIP
 $3,000 $152.00
35 WSHIP $3,000 $210.00
45 WSHIP $3,000 $307.00
55 WSHIP $3,000 $430.00
  Average Group Plan $1,500 $341.00
Get more info about State-Guaranteed Coverage in Washington

West Virginia 2008

Age Carrier Deductible Monthly Premium
25 AccessWV $2,000 $180.00
35 AccessWV $2,000 $231.00
45 AccessWV $2,000 $433.00
55 AccessWV $2,000 $612.00
  Average Group Plan $1,500 $338.00
Get more info about State-Guaranteed Coverage in West Virginia

Wisconsin 2008

Age Carrier Deductible Monthly Premium
25 HIRSP $3,500 $128.00
35 HIRSP $3,500 $169.00
45 HIRSP $3,500 $301.00
55 HIRSP $3,500 $397.00
  Average Group Plan $1,500 $362.00
Get more info about State-Guaranteed Coverage in Wisconsin

Wyoming 2008

Age Carrier Deductible Monthly Premium
25M WHIP $1,000 $242.00
35M WHIP $1,000 $326.00
45M WHIP $1,000 $487.00
55F WHIP $5,000 $624.00
  Average Group Plan $1,500 $384.00
Get more info about State-Guaranteed Coverage in Wyoming