Note: None of this should be taken as legal or tax advice.

In July, 2010, the health reform bill created the Pre-Existing Condition Exclusion Plan (PCIP) to provide health insurance coverage to uninsurable citizens. Currently, 24 states (including District of Columbia) administer their own PCIP program. The federal government and HHS run the program on behalf of the remaining states.

Eligibility for PCIP is based on the following criteria:

• Legal citizen of the United States
• Uninsured for 6-months prior to application
• Denied an individual health insurance plan due to a pre-existing condition

State	Federal or State Run?	State Program Name (if applicable)	Additional PCIP Notes*
Alabama	Federal	N/A
Alaska	State	ACHIA-FED	$1500 deductible plan, rates from $468/mo (25 yr old) to $1310/mo (55 yr old)
Arizona	Federal	N/A
Arkansas	State	CHIP
California	State	California PCIP	$1500 deductible plan, rates from $180/mo (25 yr old) to $564/mo (55 yr old)
Colorado	State	GettingUSCovered	$2500 deductible plan, rates from $184/mo (25 yr old) to $486/mo (55 yr old)
Connecticut	State	CT PCIP Plan	$1250 deductible plan, rates from $285/mo (25 yr old) to $628/mo (55 yr old)
Delaware	Federal	N/A
District of Columbia	Federal	N/A
Florida	Federal	N/A
Georgia	Federal	N/A
Hawaii	Federal	N/A
Idaho	Federal	N/A
Illinois	State	IPXP	$2000 deductible plan, rates from $135/mo (25 yr old) to $368/mo (55 yr old)
Indiana	Federal	N/A
Iowa	State	HIPIOWA-FED	$1000 deductible plan, rates from $261/mo (25 yr old) to $435/mo (55 yr old)
Kansas	State	PCIP-KS	$2500 deductible plan, rates available via phone at 1-877-505-0511
Kentucky	Federal	N/A
Louisiana	Federal	N/A
Maine	State	DirigoChoice	Choice of three deductible amounts from $1250 - $2500
Maryland	State	MHIP	$1500 deductible plan, rates from $141/mo (under 30) to $354/mo (65 and over)
Massachusetts	Federal	N/A
Michigan	State	HIP Michigan	$1000 deductible plan, rates from $241/mo (25 yr old) to $563/mo (55 yr old)
Minnesota	Federal	N/A
Mississippi	Federal	N/A
Missouri	State	MHIP	Choice of three deductible amounts from $1000 - $5000 with plan rates from $271/mo (25 yr old) to $570/mo (55 yr old)
Montana	State	MAC Plan	$2500 deductible plan, rates from $219/mo (25 yr old) to $516/mo (55 yr old)
Nebraska	Federal	N/A
Nevada	Federal	N/A
New Hampshire	State	NHHP-FED	$1000, $2000, and $2500 deductible plan options, rates from $159/mo (25 yr old) to $520/mo (55 yr old)
New Jersey	State	NJ Protect	Several plan options with plan rates from $252/mo (25 yr old) to $440/mo (55 yr old)
New Mexico	State	NMMIP	$500, $1000, and $2000 deductible plan options, rates from $168/mo (25 yr old) to $409/mo (55 yr old)
New York	State	NY Bridge Plan	Zero deductible plan with standardized premium rates ranging from $362/mo to $421/mo, depending on geographic location
North Carolina	State	Inclusive Health	Choice of four deductible amounts from $1000 - $4500 with plan rates from $109/mo (25 yr old) to $276/mo (55 yr old)
North Dakota	Federal	N/A
Ohio	State	Ohio Risk Pool	Choice of $1500 or $2500 deductible amounts with plan rates from $130/mo (25 yr old) to $358/mo (55 yr old), depending on geographic location
Oklahoma	State	OHRP	$2000 deductible plan, rates from $137/mo (25 yr old) to $395/mo (55 yr old)
Oregon	State	Oregon Medical Insurance Pool	Choice of four deductible amounts from $500 - $1500 with plan rates from $266/mo (25 yr old) to $557/mo (55 yr old)
Pennsylvania	State	PA Fair Care	$1000 deductible plan, with average rate of $283/mo
Rhode Island	State	PCIPRI	$1000 deductible plan, with plan rates from $231/mo (25 yr old) to $520/mo (55 yr old)
South Carolina	Federal	N/A
South Dakota	State	SD Federal Risk Pool	$2000 deductible plan, with plan rates from $231/mo (25 yr old) to $535/mo (55 yr old)
Tennessee	Federal	N/A
Texas	Federal	N/A
Utah	State	Federal HIPUtah	Choice of four deductible amounts from $500 - $5000 with plan rates from $137/mo (25 yr old) to $271/mo (55 yr old)
Vermont	Federal	N/A
Virginia	Federal	N/A
Washington	State	PCIP-WA	Choice of $500 or $2500 deductible amounts with plan rates from $221/mo (25 yr old) to $606/mo (55 yr old)
West Virginia	Federal	N/A
Wisconsin	State	HIRSP-Federal	Choice of four deductible amounts from $500 - $3500 with plan rates from $113/mo (25 yr old) to $340/mo (55 yr old)
Wyoming	Federal	N/A

  
SRC:  Pre-Existing Condition Insurance Plan Website