NASE Blogs

Pre-Existing Condition Insurance Plan For The Uninsured

Monday, December 19, 2011
Posted by Kristin Oberlander - The Department of Health and Human Services is rolling out a new health insurance option for the uninsured. 

If you have had a hard time finding health insurance because of a pre-existing condition or if you’ve been turned down for insurance coverage and feel like you’re out of options, you’re not out of luck.

You may now be eligible for a new government program—the Pre-Existing Condition Insurance Plan—created by the Affordable Care Act. 

This transitional program is available for children and adults in all 50 states and the District of Columbia who have been locked out of the health insurance market because of a pre-existing condition. In 2014, Americans—regardless of their health status—will have access to affordable health insurance when the nation transitions to a new marketplace.

Under this new program, you’ll receive health coverage for a wide range of medical benefits including physician services, hospital care, and prescription drugs. All insurance benefits are available to you—even to treat a pre-existing condition. You won’t be charged a higher premium because of your medical condition and your eligibility is not based on your income. Like standard health insurance plans, you may be required to pay a monthly premium, a deductible, and some cost-sharing expenses. Premiums may vary depending on where you live, your age, and which plan you choose.


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