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About PCIP

What is PCIP?

In March of 2010, Congress passed and President Obama signed the Patient Protection and Affordable Care Act —the health reform law. The law created a new program – the Pre-Existing Condition Insurance Plan (PCIP)—to make health coverage available to people with pre-existing conditions.

PCIP, which is run by either states or the Federal government, provides a new health coverage option for people who have been without health coverage for at least 6 months and have a pre-existing condition or have been denied health coverage because of their health condition.

PCIP covers major medical and prescription drug expenses, but enrollees are responsible for paying premiums, deductibles, copayments, and coinsurance amounts. PCIP does not cost enrollees more just because of their medical condition.

Learn how the PCIP works in your state.

Your PCIP Coverage After 2014

This program is available until 2014. In 2014, the law will prohibit insurance companies from refusing to sell coverage or renew policies because of a person’s pre-existing condition. Also starting in 2014, individuals whose employers don’t offer them insurance will be able to buy insurance directly in an Exchange. This is a competitive insurance marketplace where individuals and small businesses can buy affordable and qualified health benefit plans. Exchanges will offer a choice of health plans that meet certain benefits and cost standards.

We’ll Keep You Informed

If you’re enrolled in PCIP, we’ll let you know how your coverage will change and how you can take advantage of the new coverage options available in 2014.

Affordable Care Act & PCIP Coverage

The Affordable Care Act remains law, and we’re continuing to implement this law to improve the health of all Americans.

We recognize how important the Pre-Existing Condition Insurance Plan is to you and will let you know if there are any changes that could affect your coverage.

Department of Health and Human Services