Preexisting Condition Insurance Plan

The Affordable Care Act (ACA) established a new Preexisting Condition Insurance Plan (PCIP) that will offer coverage to uninsured individuals who have been unable to obtain health coverage because of a preexisting health condition. The PCIP is being administered either by a state or by the Department of Health and Human Services. It provides a new health coverage option for those who have been uninsured for at least six months, have been unable to get health coverage because of a health condition, and are a U.S. citizen or are residing in the United States legally.

The PCIP is a transitional program until 2014, when insurers will be banned from discriminating against adults with pre-existing conditions, and individuals and small businesses will have access to more affordable private insurance choices through new competitive health care exchanges.

Government Resources
 Analysis 

 

Government Resources

Temporary High Risk Pool/ Preexisting Condition Insurance Plan

Website for Preexisting Condition Insurance Plan, Center for Consumer Information & Insurance Oversight

Covering People With Pre-Existing Conditions: Report on the Implementation and Operation of the Pre-Existing Condition Insurance Plan Program, 2/23/12 (New) 

State by State Enrollment in the Pre-Existing Condition Insurance Plan, as of June 30, 2011, 8/12/11  

Pre-Existing Condition Insurance Plans: Program Features, Early Enrollment and Spending Trends, and Federal Oversight Activities, Government Accountability Office (GAO), 7/27/11 

HHS to Reduce Premiums, Make it Easier for Americans with Pre-Existing Conditions to Get Health Insurance, 5/31/11  

Starting in 2011, HHS is offering more coverage options under the Pre-existing Condition Insurance Plan (PCIP). 11/5/10 

HHS has released an interim final rule detailing features of the Pre-existing Condition Insurance Plan (PCIP). Issues addressed in the regulations include premiums charged, eligibility, program funding and benefits provided. The program is temporary and will last until 2014 when discriminating against anyone with a preexisting condition will be illegal. These rules take effect on July 30, 2010. Public comments are welcome through September 28, 2010.


 

Analysis