Major Risk Insurance

The Major Risk Medical Insurance Program (MRMIP) provides health insurance for Californians unable to obtain coverage in the individual health insurance market because of their pre-existing conditions. Californians qualifying for the program participate in the cost of their coverage by paying premiums. The State of California supplements those premiums to cover the cost of care in MRMIP. Tobacco tax funds currently subsidize the MRMIP.


  • California resident.
  • Cannot be eligible for both Part A and Part B of Medicare, unless eligible solely because of end-stage renal disease.
  • Cannot be eligible to purchase any health insurance for continuation of benefits under Cobra or CalCobra
  • Unable to secure adequate coverage from a traditional Insurance carrier

Because of funding limitations, MRMIP does sometimes have a waiting list. For more information on whether there is a waiting list or to request a copy of the PCIP/MRMIP Application and Handbook. If you have NOT had health coverage in the last 6 months, we recommend applying for Pre-Exisiting Condition Insurance (PCIP) (Please make this link to the PCIP page) instead because the rates lower. .

Please contact me if you would like to apply for MRMIP or PCIP coverage.

Eilene Rothman
Phone: (800) 300-0205

Important Notice: If you enroll in the MRMIP, it will prevent you from qualifying for the Pre-Existing Condition Insurance Plan.