Preexisting Condition Insurance Plans

What is a Preexisting Condition Insurance Plan?

A temporary national Preexisting Condition Insurance Plan (PCIP) was established July 1, 2010. $5 billion in federal funding has been provided to cover those who have been denied coverage due to a preexisting condition and who have been uninsured for at least six months prior to applying for enrollment.

State-based PCIPs accepted enrollment applications up to March 2, 2013, and have since suspended acceptance of new enrollment applications until further notice. Nonetheless, PCIP is continuing to provide coverage to more than 100,000 people currently enrolled nationwide.

This temporary program will end January 1, 2014, when the health insurance exchanges are in place. Special procedures will help with the transition of PCIP members to the exchange, without gaps in coverage.