Health Insurance Premium Payment Program

Report changes or ask a question about the HIPP program via email at

What is the HIPP program?
The Health Insurance Premium Payment (HIPP) program is one of the services available to people who get Medicaid (Title 19). The HIPP program helps people get insurance or keep insurance they already have by reimbursing the cost of premiums. The HIPP program is a way for the State of Iowa to save money.

HIPP program informational brochure
Read more about the HIPP Program in this HIPP informational brochure

Why do I want other insurance?

  • The health plan may cover services that are not covered by Medicaid.
  • Other people in your family, who are not covered by Medicaid, may be covered by your health insurance.
  • HIPP helps you get and keep insurance you might not be able to afford.

How can I get HIPP?

  • You or someone in your home has to have Medicaid.
  • You must have medical insurance or be able to get it through your employer.
  • The health plan must be cost-effective.

What is cost-effective?
Cost-effective means that it costs the State less to reimburse all, or a portion of your health insurance premium than for Medicaid to pay all of the costs.

Does HIPP cost me anything?
No. When you get medical care for your Medicaid-eligible family members, give the provider your health insurance card and your Medicaid card. Your health insurance is billed first. Then so long as you go to a Medicaid provider, Medicaid is billed for the co-insurance, deductibles and any other services not covered by your health insurance.

How do you decide if my insurance is cost-effective?
The HIPP program looks to see if the amount Medicaid would pay in total for all cost sharing obligations under a health plan, plus an amount for administrative costs, is likely to be less than the amount paid for an equivalent set of Medicaid services. Important: To make this decision you need to return any information we may ask for.

The HIPP program does not provide premium assistance for:

  • Insurance for someone who does not live in your home.
  • School plans based on enrollment or attendance as a student.
  • An insurance plan that pays income to the policyholder or pays only limited amounts for services.
  • Plans that are limited to a temporary period of time.
  • Plans that have an absent parent as the policyholder, or when the policyholder is not part of your Medicaid household. 
  • An insurance premium that is used to reduce the Medically Needy Spend-down amount for Medicaid or used as a deduction in computing the client participation
  • Anyone covered under Medicare, Medicaid Kids with Special Needs (MKSN), Family Planning Program (FPP), or Health Insurance Plan Iowa (HIPIOWA).
  • Insurance is maintained on the Medicaid-eligible persons in the household through more than one source (e.g., insurance maintained by both parents, or a parent and a step parent, self and a parent.
Toll-free: 1-888-346-9562
Fax: 515-725-0725


How do I apply for HIPP?
Call to complete an application referral over the phone:
Des Moines area: 515-974-3282
Toll-free: 1-888-346-9562.
Print a HIPP application, fill it out and email or fax it in:
Fax: 515-725-0725
Print a HIPP application, fill it out and mail it in:
Mail to:
Iowa Medicaid Enterprise (IME)
PO Box 36476
Des Moines, IA 50315-9907 

If you are living with AIDS/HIV-related illness there is a special program to assist you with premiums for your health insurance. Visit the AIDS/HIV HIPP Program page for more information.