Pre-existing Condition Insurance Program (PCIP)

The Patient Protection and Affordability Care Act, was enacted on March 23, 2010.

The Health Care and Education Reconciliation Act Public Law 111-152, was enacted on March 30, 2010.

Collectively, these laws are known as the "Affordable Care Act." Section 1101 of the Affordable
Care Act requires that the Secretary of the Department of Health and Human Services (HHS) establish, either directly or through contracts with States or nonprofit private entities, a temporary high risk health insurance program to provide access to coverage for uninsured Americans with pre-existing conditions.

(Hereafter, we generally refer to this program as the Pre-Existing Condition Insurance Plan program, or PCIP program, to avoid confusion with the existing State high risk pool programs, which will continue to operate separately.)

The PCIP program is intended to remain in place from the time of its establishment until the Exchanges established under sections 1311 or 1321 of the Act go into effect on January 1, 2014.

Agency - Department of Health and Human Services

The Department of Health and Human Services is the Federal government's principal agency for protecting the health of all Americans and providing essential human services, especially to those who are least able to help themselves.