Patients who had private health insurance before enrolling in the State Children's Health Insurance Program still had unmet healthcare needs, according to researchers at the University of Rochester Medical Center. A waiting period to qualify for SCHIP doesn't address chronic health conditions such as asthma, according to the study. Thirty-five states require uninsured children to go without insurance for a period of time before they can enroll in SCHIP in an effort to deter a situation called crowd-out. Crowd out can happen if patients switch to SCHIP when they could choose private insurance.