FHIAP Eligible Plans in Oregon

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FHIAP is Accepting Applications for Children!

About FHIAP

The Family Health Insurance Assistance Program (FHIAP) has great news! FHIAP is currently paying 100% of the premium for eligible kids ages 0 through18. Subsidies are available for kids in both the group and individual markets.

The Family Health Insurance Assistance Program or FHIAP was created by the 1997 Oregon Legislature to help low-income Oregonians afford private health insurance. FHIAP pays 50 percent to 95 percent of monthly health insurance premiums for adults and we they now pay 100% for children up to 19 years of age. The amount is based on family size and income. For example, FHIAP would pay half the monthly premium for a family of four earning up to $3,744 a month.  FHIAP does not help members pay for deductibles, co-pays, or any other coinsurance associated with the members health insurance plan.

Eligibility Criteria

A FHIAP applicant must meet the following criteria:

• Reside in Oregon
• Be a US citizen or a qualified non-citizen
• Be uninsured for the previous two months, except for those leaving the OHP/Medicaid program.
• Income Guidelines

How the Program Works

FHIAP members who have health insurance available to them through an employer are required to enroll in that coverage if the employer pays for any part of the premium. Members who have insurance through an employer (also called group insurance) typically have their portion of the premium withheld from their paycheck. FHIAP reimburses them the subsidy portion after receiving proof that the premium was withheld (usually a copy of the paystub).

All other members can purchase a policy in the individual health insurance market from one of seven FHIAP-certified insurance companies. FHIAP receives a bill from the insurance company and in turn bills the member for his or her portion of the premium. FHIAP combines the member's share with the State's share and forwards the entire premium due to the insurance company.