In Illinois, the federally-funded pool is known as the Illinois Pre-Existing Condition Insurance Plan (IPXP). IPXP is a transitional insurance program for uninsured Illinois residents. IPXP is not a public aid or entitlement program. Enrollees will be required to pay a premium and out-of-pocket costs.
With the passage of the Patient Protection and Affordable Care Act (“national health reform” or “the Affordable Care Act”) on March 23, 2010, Illinois families and employers can anticipate a health insurance marketplace that will provide more meaningful benefits, be more accountable to consumers, and be more transparent. Most health insurance reforms are scheduled to be implemented and effective by January 1, 2014.
The establishment of a federally funded pool is among the components of the Affordable Care Act that were implemented early on and upheld by the Supreme Court on June 28, 2012. By design, the pool provides transitional coverage to 2014 for the currently uninsured with pre-existing conditions. Effective January 1, 2014, the Affordable Care Act prohibits health insurers from basing coverage or pricing decisions on health status. We know the day will not arrive soon enough for many families and employers, especially in Illinois which does not require that health insurer rate increases be actuarially justified.
Effective January 1, 2014, the Health Insurance Exchange will become active in Illinois. Current IPXP enrollees, as well as the currently uninsured, will be purchasing health insurance coverage from the Exchange as of that date.
List of Participating States (NAIC)
- List of Participating States (NAIC)
- Illinois Solicitation for Administrative Services Proposals
- Illinois Response to HHS Solicitation for State Proposals to Operate Qualified High Risk Pool | HHS Solicitation
- HHS Letter Concerning Status of High Risk Pool Proposal and Contract
- HHS High Risk Pool Model Contract
- HHS High Risk Pool Letter (04/02/2010)