Texas Health Insurance Risk Pool
The Texas Health Insurance Risk Pool was created by the Texas Legislature to provide health insurance to eligible Texas residents who, due to medical conditions, are unable to obtain coverage from commercial insurers. The Pool also serves as an alternative mechanism for individual health insurance coverage in Texas, guaranteeing portability of coverage to qualified individuals who lose coverage under an employer group plan, church plan, or state plan, as mandated by the federal Health Insurance Portability and Accountability Act of 1996 (HIPAA).
The Program continues to serve the state of Texas as an important “safety net” for individuals who have been denied health insurance coverage because of pre-existing conditions, who can afford the Pool’s premiums, and do not have other coverage options.
The stated mission of the Pool’s Board of Directors is to foster public awareness of the Pool and to provide eligible Texans with cost-effective health coverage that is consistent with major medical policies available in the commercial market.