The full implementation of the Patient Protection and Affordable Care Act in January 2014 will ensure that patients with pre-existing coverage can obtain private health insurance. In the meantime, patients that have been denied coverage due to a pre-existing condition have two options for obtaining coverage in the state of Illinois.


The Illinois Comprehensive Health Insurance Program (ICHIP) is the state’s health care program for individuals that cannot obtain health insurance due to one of the following pre-existing conditions:

• Acquired Immune Deficiency Syndrome (AIDS) or Aids Related Complex (ARC)
• Angina Pectoris
• Arteriosclerosis Obliterans
• Cerebrovascular Accident (Stroke)
• Chemical Dependency
• Cirrhosis of the Liver
• Coronary Insufficiency
• Coronary Occlusion
• Cystic Fibrosis
• Friedreich’s Ataxia
• Hemophilia (Classical)
• Hodgkin’s Disease
• Huntington’s Chorea
• Juvenile Diabetes
• Kidney Failure Requiring Dialysis
• Leukemia
• Lupus Erythematosus Disseminate
• Metastatic Cancer
• Multiple or Disseminated Sclerosis
• Muscular Atrophy or Dystrophy
• Myasthenia Gravis
• Myotonia
• Paraplegia or Quadriplegia
• Parkinson’s Disease
• Poliomyelitis
• Polycystic Kidney
• Severe Traumatic Brain Injury
• Sickle Cell Anemia
• Silicosis Pneumoconiosis (Black Lung)
• Syringomyelia
• Wilson’s Disease

Premiums are based on age, gender, and tobacco use. Various deductible plans are available.

Illinois Comprehensive Health Insurance Program
217.782.6333 or 866.851.2751


The Illinois Pre-Existing Condition Insurance Plan (IPXP) is the state’s federally-funded temporary high risk pool. An eligible patient must be a U.S. citizen, have been uninsured for at least six months, and have a pre-existing condition. There are four deductible plans to choose from with deductibles ranging from $500 to $5,000, a range of pharmaceutical coverage and out-of-pocket limits, and cost-sharing measures. To enroll, patients must apply online or mail a paper application.

Illinois Pre-Existing Condition Insurance Plan