Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Kathleen SebeliusOn May 31, 2011, the US Department of Health and Human Services (HHS) announced two modifications that will make it substantially cheaper and easier for Americans to enroll in Pre-existing Condition Insurance Plans (PCIP’s).

As a result of the measures, premiums for federally managed PCIP’s will decrease as much as 40 percent in 17 states, and the burden of document production for applications will not be as high.

The modifications are presumably an effort by the HHS to increase enrollment in PCIPs, which currently cover about 18,000 people in the United States.

States have the option to run their own PCIP program or have the HHS administer it. In 8 of the states where PCIPs are federally administered—Alabama, Arizona, Delaware, Florida, Kentucky, Minnesota, Nevada, and Virginia—premiums decreased by 37-40 percent.

The Department did not decrease premiums for Hawaii, Idaho, Massachusetts, North Dakota, Vermont, and Wyoming because their premiums were similar to state averages. For the District of Columbia, Georgia, Indiana, Louisiana, Mississippi, Nebraska, South Carolina, Tennessee, Texas, and West Virginia, the HHS decreased PCIP premiums somewhere in the middle.

Starting July 1st, the HHS will lower the enrollment bar for all 23 federally managed PCIP programs. Applicants will no longer need to produce documents showing that insurance carriers denied them coverage for a pre-existing medical condition. Rather, a note from their physician that references the condition is sufficient. For the 27 state-administered PCIP programs, states can use their own discretion on whether to make either of these two modifications.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

To further PCIP enrollment goals, it appears the government will also begin incentivizing affordable health insurance agencies to seek and enroll individuals into PCIP programs. Starting October 1st, the HHS will pay agents and brokers $100 for each successful enrollment, according to the National Association of Health Underwriters. Encouraging brokers in such a way is win-win because not only does it reward brokers for their efforts, it also creates more options to choose from and dissuades enrollment in weaker health insurance plans.

The Affordable Care Act (ACA) created the PCIP program for individuals who have found it difficult to find individual health insurance coverage because of their pre-existing health conditions. The program will only be necessary until 2014, at which time the ACA will prohibit insurers from denying coverage for medical reasons.