Pre-Existing Condition Health Care Plans, By State

As described in the original post about health insurance on this site, people who have preexisting conditions that make it impossible for them to qualify for regular health insurance now have access to health insurance through the Patient Protection and Affordable Care Act of 2010.

Unfortunately, you have to be uninsured for six months before you are able to enroll in one of these policies. However ... if you have no other options for coverage, this is certainly better than nothing. The benefits on these policies are fairly decent and are managed by reputable insurance companies, and the premiums are fairly cheap as compared to what you would find on the regular insurance market with a preexisting condition.

See below for state-by-state links to the websites where you can read about the plans, find answers to your questions, and apply for coverage. You must apply to the one in the state where you currently reside.

(Please note: some of the links are the same between states because some states elect to provide their citizens coverage through a preexisting plan managed by the federal government. Other states manage their own plans.)

Alabama: http://www.pciplan.com/
Alaska: http://www.achia.com/ACHIA-FED/
Arizona: http://www.pciplan.com/
Arkansas: http://www.takecarearkansas.org/
California: http://www.pcip.ca.gov/Home/default.aspx
Colorado: https://www.gettinguscovered.org/
Connecticut: http://www.ct.gov/dss/cwp/view.asp?Q=463668&A=2345
Delaware: http://www.pciplan.com/
District of Columbia: http://www.pciplan.com/
Florida: http://www.pciplan.com/
Georgia: http://www.pciplan.com/
Hawaii: http://www.pciplan.com/
Idaho: http://www.pciplan.com/
Illinois: http://insurance.illinois.gov/IPXP/
Indiana: http://www.pciplan.com/
Iowa: http://hipiowafed.com/index.htm
Kansas: http://www.khiastatepool.com/KHIA-FED/
Kentucky: http://www.pciplan.com/
Louisiana: http://www.pciplan.com/
Maine: http://www.dirigohealth.maine.gov/Pages/pre_exist.html
Maryland: http://getmdhealthcare.com/
Massachusetts: http://www.pciplan.com/
Michigan: http://www.hipmichigan.com/
Minnesota: http://www.pciplan.com/
Mississippi: http://www.pciplan.com/
Missouri: http://www.mhip.org/federal_eligibility.html
Montana: http://www.mthealth.org/
Nebraska: http://www.pciplan.com/
Nevada: http://www.pciplan.com/
New Hampshire: http://www.nhhp.org/nhhp-fed/
New Jersey: http://www.state.nj.us/dobi/division_insurance/njprotect/index.htm
New Mexico: http://www.nmmip.org/hrp1/
New York: http://www.ghi.com/nybridgeplan/index.html
North Carolina: http://www.inclusivehealth.org/fed_eligible_reg.htm
North Dakota: http://www.pciplan.com/
Ohio: https://www.ohiohighriskpool.com/
Oklahoma: http://www.bcbsok.com/ohrp/temp_pool.html
Oregon: http://www.oregon.gov/oha/OPHP/OMIP/pages/fmip.aspx
Pennsylvania: http://www.pafaircare.com/
Rhode Island: https://www.bcbsri.com/shop-for-plan/programs-and-services/individuals-families/pre-existing-condition-insurance-plan-rhode
South Carolina: http://www.pciplan.com/
South Dakota: http://fedhighriskpool.sd.gov/
Tennessee: http://www.pciplan.com/
Texas: http://www.pciplan.com/
Utah: http://selecthealth.org/plans/government/fedhip/Pages/home.aspx
Vermont: http://www.pciplan.com/
Virginia: http://www.pciplan.com/
Washington: https://www.wship.org/PCIP-WA/
West Virginia: http://www.pciplan.com/
Wisconsin: http://www.hirsp.org/plans/federal-plans.shtml
Wyoming: http://www.pciplan.com/