I went to a panel on health care reform at NN. A representative from HHS was there, and he spoke at length about the Pre-Existing Condition Insurance Plan, or PCIP.
PCIP was designed as a bridge to get to 2014, when health insurance for people with pre-existing conditions will be folded into the exchanges. Simply, the guarantee behind the PCIP is this: comprehensive health insurance coverage for people with pre-existing conditions at about the same price that people without a pre-existing condition pay.
The program is administered by state governments in 27 states and by the federal government in 23 states and D.C.
Here are the states (and D.C.) that are in the federally-administered plan:
Alabama, Arizona, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Kentucky, Louisiana, Massachusetts, Minnesota, Mississipi, North Dakota, Nebraska, Nevada, South Carolina, Tennessee, Texas, Virginia, Vermont, West Virginia and Wyoming.
The remaining states chose to administer their own plan.
I wanted to see what a monthly premium might cost, were I a person with a pre-existing condition. I went to the Ohio site, because that’s where I live. Ohio has a state-administered plan.
Filling out my actual information- but inventing an unspecified pre-existing condition- my health insurance monthly premium would be around 300 dollars. This is a subsidized rate. The funding for it came out of the PPACA. I then went to Texas, because I knew Texas opted out of creating a state plan so ended up with the default, which is the federal plan. In both instances, I chose the higher-value plan. The Texas rates are about like Ohio.
A problem with this interim measure is that one must be uninsured for 6 months to be eligible.