Cubbon & Associates Co., L.P.A.
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Phone : 419-574-9284

High Risk Health Insurance

In the past many of our clients with serious health problems have been excluded from insurance coverage because of those problems or because they could not afford the cost of coverage when their health problems were factored into their premiums. This will change in 2014. Health insurance carriers will no longer be able to deny coverage based on health status. Premiums will no longer be based on individual health status but rather on community rating. Individuals will only be rated based on age, family status, place of residence and tobacco use and not individual health status.

Unfortunately, 2014 is a long time to wait for those unable to get coverage now. To bridge this gap the Affordable Care Act authorized the creation of statewide high risk pools to provide coverage for those unable to qualify for insurance coverage due to pre-existing conditions. Since August, Ohio resident have been able to apply for coverage under the Ohio High Risk Pool operated by the Ohio Department of Insurance and Medical Mutual of Ohio.

To qualify:

A person must be a resident of Ohio and a lawful resident of the United States.

A person must have been uninsured for the previous six months.

A person must have been unable to secure coverage due the existence of a pre-existing condition.

The pool requires the payment of a premium and this may be prohibitive for some.

More information is available at 877-730-1117 (TTY: 800-982-8109) or at

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Cubbon & Associates Co., L.P.A.

Office Location
405 N Huron St Suite 500
Toledo, OH 43604

Phone: 419-574-9284
Fax: 419-243-9512
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Mailing Address
P.O. Box 387
Toledo, OH 43697-0387

Phone: 419-574-9284
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