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A HIPPA plan (also known as a federally insured plan or guaranteed issue plan) is health insurance that you buy despite a pre-existing condition.

Requirements to qualify for a HIPAA plan include:

  • If you had group insurance, you do not qualify for COBRA either because you used all the time during which you qualifed for COBRA (either 18 or 36 months) or your plan is no longer available. For instance, the insurance company went out of business or your employer no longer offers health insurance coverage to employees.
  • There is no break in health insurance coverage longer than sixty-three (63) days
  • You are not eligible for Medicare, Medicaid or any other form of group health coverage.

To learn how to purchase a HIPAA plan, contact your state's insurance department offsite linkabout how to exercise options about your state's HIPAA plan requirements.  If you live ina state where there are individual health insurance policies for sale,keep in mind that every insurer that sells individual poliies must also ofe a HIPAA plan and cannot deny coverage. When you call, let the company know you are interested in purchasing a HIPAA Plan.

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