High risk patients and people with pre-existing health conditions have options available for insurance in the state, but officials say many aren't aware of them. The program is called HIP Michigan, and Administrator Scott Wilkerson says it's for people who have not been able to obtain coverage otherwise. The program has low premiums, but high deductibles. It will be available until 2014 when new federal programs will become available through health insurance exchanges brought about by President Obama's healthcare reform. Wilkerson said in Grand Rapids yesterday no one can be denied coverage or benefits because of their health status. It's funded through a federal grant. (MRN)