via AAPD (8.9.11):
Health Care Reform: Insurance Available for People with Preexisting Conditions
By David Heymsfeld, Policy Advisor, AAPD
On August 4th, AAPD participated in a meeting convened by the Department of Health and Human Services to increase awareness of a new program established by the health care reform act (the Affordable Care Act) to make insurance available at reasonable prices to persons who are unable to get insurance to cover preexisting conditions.
Under ACA ,after 2014 health insurance must cover pre-existing conditions. Before 2014, the law requires each State to establish a Preexisting Condition Insurance Program, or to participate in the federal program. The insurance is now available in all States at premiums of about $200 a month for persons under 35, and $400 a month for persons over 50.
The insurance will not be of interest to everyone. Persons on Medicaid and persons who are satisfied with their existing insurance will probably not want to buy PCIP policies. To qualify for PCIP, a person must show that they have been without insurance for 6 months, and that they have a preexisting condition.
Further information on the program and on policies available in particular states may be found at https://www.pcip.gov/
Under ACA ,after 2014 health insurance must cover pre-existing conditions. Before 2014, the law requires each State to establish a Preexisting Condition Insurance Program, or to participate in the federal program. The insurance is now available in all States at premiums of about $200 a month for persons under 35, and $400 a month for persons over 50.
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