Eligibility

MHIP operates two separate high-risk pool programs. Eligibility for each of the programs is different. Here you can review the basic eligibility criteria for each program. Links to more specific information contained in the State and Federal Pool sections of this website are included below.

MHIP State Pool Eligibility

Any resident of Missouri who provides evidence of any one of the following:

• A notice of rejection or refusal from an insurer to issue substantially similar health insurance for health reasons
• A refusal by an insurer to issue health insurance except at a rate exceeding the plan rate for substantially similar health insurance
• A federally defined eligible individual who has not experienced a significant break in coverage
• A trade act eligible individual
• Any resident dependent of a person who is eligible for plan coverage
• Any person, regardless of age, that can be claimed as a dependent of a trade act eligible individual on that individual's tax filing
• Any person whose health insurance coverage is involuntarily terminated for any reason other than nonpayment of premium or fraud, and who is not otherwise ineligible for this program
• Any person whose premiums for health insurance coverage are higher than MHIP's plan premiums and is otherwise eligible
• Any person currently insured who would have qualified as a federally defined eligible individual or a trade act eligible individual between the effective date of the federal Health Insurance Portability and Accountability Act of 1996

Visit the State Pool Eligibility page for more information.

MHIP Federal Pool Eligibility:

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 past six months
• Have had a problem getting insurance because of a pre-existing condition
• Be a resident of the state of Missouri

Visit the Federal Pool Eligibility page for more information.