Pre-Existing Condition Insurance Plan
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    *Approved Broker does not constitute endorsement by Centers for Medicare & Medicaid Services or HHS. This website is not maintained by the PCIP program or any government agency rather solicitation by a licensed insurance entity/broker in the PCIP program seeking to assist and enroll individuals in the Federal Health Insurance or other insurance products. Information collected by this site is secure and will not be sold/resold to any third party sources or insurance agents. Website controller(s) lic. entity/broker adheres to HIPAA privacy. No charges for Services, Applications, Processing, Consultation Association fees or other for PCIP Government health insurance plans. Updates to information, while done regularly may not reflect newest info. Please check with staff for questions or updates.
Allotment By State
Potential Allotment of Program Funds*
State Funds
Alabama $69,000,000
Alaska $13,000,000
Arizona $129,000,000
Arkansas $46,000,000
California $761,000,000
(+) Increase
Colorado $90,000,000
Connecticut $50,000,000
Delaware $13,000,000
Dist of Columbia $9,000,000
Florida $351,000,000
Georgia $177,000,000
Hawaii $16,000,000
Idaho $24,000,000
Illinois $196,000,000
Indiana $93,000,000
Iowa $35,000,000
Kansas $36,000,000
Kentucky $63,000,000
Louisiana $71,000,000
Maine $17,000,000
Maryland $85,000,000
Massachusetts $77,000,000
Michigan $141,000,000
Minnesota $68,000,000
Mississippi $47,000,000
Missouri $81,000,000
Montana $16,000,000
Nebraska $23,000,000
Nevada $61,000,000
New Hampshire $20,000,000
(+) Increase
New Jersey $141,000,000
New Mexico $37,000,000
New York $297,000,000
North Carolina $145,000,000
North Dakota $8,000,000
Ohio $152,000,000
Oklahoma $60,000,000
Oregon $66,000,000
Pennsylvania $160,000,000
Rhode Island $13,000,000
South Carolina $74,000,000
South Dakota $11,000,000
Tennessee $97,000,000
Texas $493,000,000
Utah $40,000,000
Vermont $8,000,000
Virginia $113,000,000
Washington $102,000,000
West Virginia $27,000,000
Wisconsin $73,000,000
Wyoming $8,000,000
U.S. Total $5 Billion Dollars
* Preliminary: Final allotments may increase or decrease by +/- 1%.
Data sources: ACS State Population 2008; BLS Wage Data 2008.

HHS has now extended the program till March 31. The "Pre-existing Condition Insurance Plan" known as PCIP, provides comprehensive health insurance to Americans unable to obtain medical benefits. Those having been turned down by private major medical carriers due to a Pre-existing condition may qualify for PCIP Insurance. The PCIP Plan is expected to insure as many as three hundred and fifty thousand (350,000) individuals until the Affordable Care Act through insurance exchanges goes into effect Jan 1, 2014.

"Designed to Immediately Cover Consumers wtih a Pre-existing Condition whom are Uninsured"

*Pre-Existing Condition Insurance Plans that are Government Health Insurance (PCIP) are administered either by  Federal PCIP (23 states) via the *U.S. Department of Health and Human Services or administered directly by the State (27 states). Federal applications are handled through the National Finance Center, division under the Department of Agriculture and is in charge of processing. In a partnership with the Government Employees Health Association (GEHA), serves nearly one million (1,000,000) members.

To find out more information on the state health insurance that may be available to you, follow the information step by step listed below

To Begin:

  1. Play the introductory video (Not available on all systems)
  2. Choose your State
  3. Choose your desired Plan
  4. Click to Register

PCIP-Enrollment Suspention Update

While has helped to supply information and enrollment assistance to thousands on the government program(s), both state and federally run programs known as pcip or pre-existing condition insurance plan, both state and federal administered plans have suspended enrollment into the plan. On February 16, 2013, the federally administered Pre-Existing Condition Insurance Plan (PCIP) suspended applications until further notice, while state based effective suspension on March 2. This suspension of new enrollment applications are to ensure that funds are available through 2013 to maintain coverage for those individuals already insured in PCIP program throughout the nation.

While we are no longer able to offer this particular government program on our site we will be glad to continue to offer our resource site for informational purposes, networks, coverage, as well as guidance and assistance in other types of preexisting condition insurance plan(s) health plans that may be able to accept you under their health insurance coverage via short-term insurance, mini medical or indemnity health insurance, till health care reform guarantees health insurance coverage without decline due to medical conditions.

Health reform law begins coverage January 1, 2014 and open enrollment begins October 1 2013. This will be made possible through a state insurance exchange or health insurance marketplace. All inquiries on this site will be contacted for assistance. Should the enrollment of pcip reopen before then, we will also contact you to inform and assist if eligible. You may reach us through the comment box on this page or through registering anywhere throughout the site.

Note: If you lost PCIP coverage during the past 6 months because you moved out of state, you may be eligible to re-enroll in PCIP in your new state of residence. Please call 1-866-717-5826 (TTY: 1-866-561-1604), Monday – Friday, 8 a.m. to 11 p.m. EST, if you believe you are eligible.As of June 15, 2013, the Pre-Existing Condition Insurance Plan (PCIP) allows you to see any provider of your choice for most covered services, as long as the provider agrees to accept PCIP payment. PCIP has prohibited providers from charging you an amount greater than the cost-sharing amount for covered services.


Transition Plan effective July 1, 2013

The Transition Plan is limited to enrollees transferring from a state-run PCIP in Arkansas, California, Colorado, Iowa, Illinois, Kansas, Michigan, Missouri, New Hampshire, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Dakota, Utah and Washington.

Effective July 1, 2013, the coinsurance will be 30%, and the out-of-pocket maximum will be $3,125, or $5,000 for non-formulary prescriptions, for the Transition Plan. To learn more about these changes, see Plan Materials and download the update 2013 PCIP Brochure.