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State High Risk Pool Plan Options and Premiums, February 2009

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 High Risk Pool Offers Deductible Less $1000Monthly Premium for Lowest Deductible PlanMonthly Premium for $1000 Deductible PlanMonthly Premium for Highest Deductible Plan
United States16 YesNANANA
AlabamaNoThe lowest deductible plan is the $1,000 plan$653$313
AlaskaNoThe lowest deductible plan is the $1,000 plan$1,305$369
ArizonaNANANANA
ArkansasNoThe lowest deductible plan is the $1,000 plan$475$286
CaliforniaYesAll plans have a $500 deductible. Rates in Los Angeles range between $450-$839.All plans have a $500 deductible. Rates in Los Angeles range between $450-$839.All plans have a $500 deductible. Rates in Los Angeles range between $450-$839.
ColoradoNoThe lowest deductible plan is the $1,000 plan$556$248
ConnecticutNoThere is only one PPO plan ($1,500 deductible plan) offered in the Connecticut pool. The premium is $844.There is only one PPO plan ($1,500 deductible plan) offered in the Connecticut pool. The premium is $844.There is only one PPO plan ($1,500 deductible plan) offered in the Connecticut pool. The premium is $844.
DelawareNANANANA
District of ColumbiaNANANANA
FloridaUnknownUnknownUnknownUnknown
GeorgiaNANANANA
HawaiiNANANANA
IdahoNANANANA
IllinoisYes$902$840$639
IndianaYes$763$705$540
IowaNoThe lowest deductible plan is the $1,000 plan$483$232
KansasNoThe lowest deductible plan is the $1,500 plan. The premium is $568.The lowest deductible plan is the $1,500 plan. The premium is $568.$314
KentuckyYes$821$701$634
LouisianaNoThe lowest deductible plan is the $1,000 plan$674$402
MaineNANANANA
MarylandYes$431$343$175
MassachusettsNANANANA
MichiganNANANANA
MinnesotaYes$615$455$165
MississippiNoThe lowest deductible plan is the $1,000 plan$517$195
MissouriYes$953$763$473
MontanaNoThe lowest deductible plan is the $1,000 plan$723$298
NebraskaYes$760$626$242
NevadaNANANANA
New HampshireNoThe lowest deductible plan is the $1,000 plan$608$337
New JerseyNANANANA
New MexicoYes$407$363$192
New YorkNANANANA
North CarolinaNoThe lowest deductible plan is the $1,000 plan$676$361
North DakotaYes$486$460The highest deductible plan is the $1,000 plan.
OhioNANANANA
OklahomaYes$1,031$848$406
OregonYes$575$508$394
PennsylvaniaNANANANA
Rhode IslandNANANANA
South CarolinaYes$1,109 - $1,3991There are no $1,000 deductible plans offered.$808
South DakotaNoThe lowest deductible plan is the $1,000 plan$657$403
TennesseeNoThe lowest deductible plan is the $1,000 plan$688$475
TexasNoThe lowest deductible plan is the $1,000 plan$881$437
UtahYes$603$512$285
VermontNANANANA
VirginiaNANANANA
WashingtonYes$1,024$885$373
West VirginiaYes$767There are no $1,000 deductible plans offered.$387
WisconsinNoThe lowest deductible plan is the $1,000 plan$759$304
WyomingNoThe lowest deductible plan is the $1,000 plan$933$654
(show/hide notes)
Notes: 

Data as of February 2009.

When applicable, selected 50-year old, male, non-smoker, meeting the target weight, located in the largest city and includes all riders except maternity. Lowest deductible rates shown do not include HMO plans.

Sources: 

Data collection and analysis by Eliza Bangit and Karen Pollitz, Health Policy Institute, Georgetown University.

Sources include state laws and regulations, interviews with state high-risk pool staff, state high-risk pool websites, and the Comprehensive Health Insurance for High-Risk Individuals: A State-by-State Analysis. National Association of State Comprehensive Health Insurance Plans, 22nd Ed., 2008/2009. Available for order at www.naschip.org.

Footnotes: 
  1. There is a choice of 80/80 or 80/60 coinsurance for the $500 deductible.



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