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Small Business Employee Benefits and HR Blog

PCIP

The Pre-Existing Condition Exclusion Plan (PCIP) was created as part of the Affordable Care Act (ACA) in July of 2010 to provide health insurance coverage to uninsurable citizens. Currently, 24 states (including the District of Columbia) administer their own PCIP program. The federal government and the Department of Health & Human Services (HHS) run the program on behalf of the remaining states. To be eligible for PCIP, the candidate must be a legal U.S. citizen, have been uninsured for six months prior to application, and been denied an individual health insurance plan due to a pre-existing condition.