In July 2010, the health reform bill created the Pre-Existing Condition Exclusion Plan (PCIP) 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 HHS run the program on behalf of the remaining states.
Eligibility for PCIP is based on the following criteria:
-
Legal citizen of the United States
-
Uninsured for 6 months prior to application
-
Denied an individual health insurance plan due to a pre-existing condition
A state-by-state summary is provided below for your convenience. Please add questions and suggestions via the comment section.
|
State |
Federal or State Run? |
State Program Name (if applicable) |
Additional PCIP Notes* |
|
Alabama |
Federal |
N/A |
|
|
Alaska |
State |
$1500 deductible plan, rates from $468/mo (25 yr old) to $1310/mo (55 yr old) |
|
|
Arizona |
Federal |
N/A |
|
|
Arkansas |
State |
||
|
California |
State |
$1500 deductible plan, rates from $180/mo (25 yr old) to $564/mo (55 yr old) |
|
|
Colorado |
State |
$2500 deductible plan, rates from $184/mo (25 yr old) to $486/mo (55 yr old) |
|
|
Connecticut |
State |
$1250 deductible plan, rates from $285/mo (25 yr old) to $628/mo (55 yr old) |
|
|
Delaware |
Federal |
N/A |
|
|
District of Columbia |
Federal |
N/A |
|
|
Florida |
Federal |
N/A |
|
|
Georgia |
Federal |
N/A |
|
|
Hawaii |
Federal |
N/A |
|
|
Idaho |
Federal |
N/A |
|
|
Illinois |
State |
$2000 deductible plan, rates from $135/mo (25 yr old) to $368/mo (55 yr old) |
|
|
Indiana |
Federal |
N/A |
|
|
Iowa |
State |
$1000 deductible plan, rates from $261/mo (25 yr old) to $435/mo (55 yr old) |
|
|
Kansas |
State |
$2500 deductible plan, rates available via phone at 1-877-505-0511 |
|
|
Kentucky |
Federal |
N/A |
|
|
Louisiana |
Federal |
N/A |
|
|
Maine |
State |
Choice of three deductible amounts from $1250 - $2500 |
|
|
Maryland |
State |
$1500 deductible plan, rates from $141/mo (under 30) to $354/mo (65 and over) |
|
|
Massachusetts |
Federal |
N/A |
|
|
Michigan |
State |
$1000 deductible plan, rates from $241/mo (25 yr old) to $563/mo (55 yr old) |
|
|
Minnesota |
Federal |
N/A |
|
|
Mississippi |
Federal |
N/A |
|
|
Missouri |
State |
Choice of three deductible amounts from $1000 - $5000 with plan rates from $271/mo (25 yr old) to $570/mo (55 yr old) |
|
|
Montana |
State |
$2500 deductible plan, rates from $219/mo (25 yr old) to $516/mo (55 yr old) |
|
|
Nebraska |
Federal |
N/A |
|
|
Nevada |
Federal |
N/A |
|
|
New Hampshire |
State |
$1000, $2000, and $2500 deductible plan options, rates from $159/mo (25 yr old) to $520/mo (55 yr old) |
|
|
New Jersey |
State |
Several plan options with plan rates from $252/mo (25 yr old) to $440/mo (55 yr old) |
|
|
New Mexico |
State |
$500, $1000, and $2000 deductible plan options, rates from $168/mo (25 yr old) to $409/mo (55 yr old) |
|
|
New York |
State |
Zero deductible plan with standardized premium rates ranging from $362/mo to $421/mo, depending on geographic location |
|
|
North Carolina |
State |
Choice of four deductible amounts from $1000 - $4500 with plan rates from $109/mo (25 yr old) to $276/mo (55 yr old) |
|
|
North Dakota |
Federal |
N/A |
|
|
Ohio |
State |
Choice of $1500 or $2500 deductible amounts with plan rates from $130/mo (25 yr old) to $358/mo (55 yr old), depending on geographic location |
|
|
Oklahoma |
State |
$2000 deductible plan, rates from $137/mo (25 yr old) to $395/mo (55 yr old) |
|
|
Oregon |
State |
Choice of four deductible amounts from $500 - $1500 with plan rates from $266/mo (25 yr old) to $557/mo (55 yr old) |
|
|
Pennsylvania |
State |
$1000 deductible plan, with average rate of $283/mo |
|
|
Rhode Island |
State |
PCIPRI |
$1000 deductible plan, with plan rates from $231/mo (25 yr old) to $520/mo (55 yr old) |
|
South Carolina |
Federal |
N/A |
|
|
South Dakota |
State |
$2000 deductible plan, with plan rates from $231/mo (25 yr old) to $535/mo (55 yr old) |
|
|
Tennessee |
Federal |
N/A |
|
|
Texas |
Federal |
N/A |
|
|
Utah |
State |
Choice of four deductible amounts from $500 - $5000 with plan rates from $137/mo (25 yr old) to $271/mo (55 yr old) |
|
|
Vermont |
Federal |
N/A |
|
|
Virginia |
Federal |
N/A |
|
|
Washington |
State |
Choice of $500 or $2500 deductible amounts with plan rates from $221/mo (25 yr old) to $606/mo (55 yr old) |
|
|
West Virginia |
Federal |
N/A |
|
|
Wisconsin |
State |
Choice of four deductible amounts from $500 - $3500 with plan rates from $113/mo (25 yr old) to $340/mo (55 yr old) |
|
|
Wyoming |
Federal |
N/A |
SRC: Pre-Existing Condition Insurance Plan Website
*Monthly premium rates are estimates, please obtain unique individual quote based on your needs
