Health Insurance Information

Thanks to national health reform, Texas now has two separate high-risk pools that offer health insurance to Texans who cannot get coverage in the private market due to pre-existing health conditions: the state-administered Texas Health Insurance Pool, established in 1998, and the federally administered Pre-Existing Condition Insurance Plan created by the new federal health reform law. Because state law in Texas allows health insurers to deny coverage to people with pre-existing conditions in the individual market (coverage purchased directly from an insurer, as opposed to job-based coverage), many Texans with medical conditions can only get coverage through a high-risk pool. As of January 2014, the new federal health reform law will prohibit insurance companies from denying coverage or increasing premiums based on a person's health status or pre-existing conditions. Until then, high-risk pools will continue to provide a lifeline to tens of thousands of Texas residents who need health insurance.

CPPP has released Something Old, Something New: Texas' Two High-Risk Pools, a policy page that explains both of Texas' high--risk pools-their similarities, differences, and important upcoming changes.

Important Information from the U.S. Department of Health and Human Services

Please click on the links below for some important information from HHS.
HHS National Fact Sheet on PCIP | HHS National Release on PCIP