Oregon Health Insurance > FHIAP

About FHIAP | Eligible Plans

About FHIAP

The Family Health Insurance Assistance Program or FHIAP was created by the 1997 Oregon Legislature to help low-income Oregonians afford private health insurance. The program subsidizes or pays for a significant portion of a member's health insurance premium 95 percent of the premium for members earning less than 125 percent of the federal poverty level (FPL) or $1,885 for a family of four, a 90 percent subsidy for those earning up to 150 percent FPL, a 70 percent subsidy for those earning up to 170 percent FPL, and a 50 percent subsidy for those earning up to 185 percent FPL. FHIAP does not help members pay for deductibles, CO-pays, or any other coinsurance associated with their 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
Have investments and savings less than $10,000
Be uninsured for the previous six months, except for those leaving the OHP/Medicaid program.
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.