Pre-Existing Condition Insurance Plan

In July, operation of the Pre-Existing Condition Insurance Plan (PCIP) in Florida and other states, at their discretion, became federally-run. The transition does not affect currently enrolled people, even those in 10 states with their own PCIP program. Their coverage runs through December 2013. Critics, including health care professionals, say there are loopholes in PCIP that allow people to abuse or “multiple-dip” into the program funded by U.S. taxpayers. A dentist, who asked to remain anonymous, questioned a wealthy, non-U.S. citizen seeking medical treatment here about his PCIP enrollment. He said the person could easily pay for the U.S. medical treatment in cash and paid less in premiums than enrolled U.S. citizens seeking the same level of care. The dentist encourages people to write their representatives in Congress to tighten up the eligibility language in PCIP to stop the abusers and to charge the same premium for U.S. citizens and non-U.S. citizens with legal status.

Currently, anyone who has a green card or can legally stay in the United States or is a United States citizen is eligible to apply for thousands of dollars in federal aid to pay for their medical treatment in America if they are diagnosed with cancer, diabetes or any pre-existing medical condition. According to, 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.

On February 16, 2013, the federal Pre-Existing Condition Insurance Plan stopped accepting new enrollment applications until further notice. State-run PCIP programs suspended their enrollments on March 2nd. The program has been suspended to ensure that funds are available through 2013 to continuously cover current enrollees.

Starting in 2014, the Affordable Care Act guarantees that all Americans, regardless of their health status or pre-existing conditions will have access to quality, afforable coverage. Open enrollment starts October 1, 2013. Coverage begins January 1, 2014.

For more information, go to
For a list of PCIP states, go to

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