Generally, you need to be uninsured for 12 months or more to enroll in VHAP. The following are guidelines as well as some exceptions to this rule:

• You currently have health insurance but it covers only hospital care or only doctor visits.
• You have not had health insurance for the past 12 months.
• You had health insurance in the past 12 months but lost it because you: lost your job; got divorced; no longer have COBRA coverage; became ineligible for Medicaid; had insurance through someone else who died; are no longer a dependent on your parent’s insurance; graduated, took a leave of absence, or finished college or university and purchased your insurance through school.