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State High Risk Pool Plan Options and Premiums, January 2010

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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.$686$322
AlaskaNoThe lowest deductible plan is the $1,000 plan.$1,494$369
ArizonaNANANANA
ArkansasNoThe lowest deductible plan is the $1,000 plan.$495$316
CaliforniaYesAll plans have a $500 deductible. Rates in Los Angeles range between $500-$880.All plans have a $500 deductible. Rates in Los Angeles range between $500-$880.All plans have a $500 deductible. Rates in Los Angeles range between $500-$880.
ColoradoNoThe lowest deductible plan is the $1,000 plan.$590$234
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$963$880$613
IndianaYes$763$712$562
IowaNoThe lowest deductible plan is the $1,000 plan.$523$251
KansasNoThe lowest deductible plan is the $1,500 plan. The premium is $644.The lowest deductible plan is the $1,500 plan. The premium is $644.$356
KentuckyYes$871$743$673
LouisianaNoThe lowest deductible plan is the $1,000 plan.$653$301
MaineNANANANA
MarylandYes$474$377$228
MassachusettsNANANANA
MichiganNANANANA
MinnesotaYes$673$498$198
MississippiNoThe lowest deductible plan is the $1,000 plan.$517$195
MissouriYes$1,067$855$530
MontanaNoThe lowest deductible plan is the $1,000 plan.$723$298
NebraskaYes$821$690$327
NevadaNANANANA
New HampshireNoThe lowest deductible plan is the $1,000 plan.$660$366
New JerseyNANANANA
New MexicoYes$442$394$209
New YorkNANANANA
North CarolinaNoThe lowest deductible plan is the $1,000 plan.$777$397
North DakotaYes$486$460The highest deductible plan is the $1,000 plan.
OhioNANANANA
OklahomaYes$763$608$285
OregonYes$646$563$455
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.$692$424
TennesseeNoThe lowest deductible plan is the $1,000 plan.$688$475
TexasNoThe lowest deductible plan is the $1,000 plan.$983$480
UtahYes$655$555$309
VermontNANANANA
VirginiaNANANANA
WashingtonYes$1,078$932$377
West VirginiaYes$765There are no $1,000 deductible plans offered.$387
WisconsinNoThe lowest deductible plan is the $1,000 plan.$842$258
WyomingNoThe lowest deductible plan is the $1,000 plan.$979$720
(show/hide notes)
Notes: 

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, 23rd Ed., 2009/2010. Available for order at www.naschip.org.

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



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