The PCIP program is now cheaper – premiums have been reduced. PCIP is "Pre-existing Condition Insurance Program," a part of the Affordable Care Act (ObamaCare) that is currently available to persons who have been denied health insurance by private health insurance companies because of even minor health conditions. It also insures individuals with significant medical issues
It would be difficult to underestimate the positive impact of ObamaCare – the Affordable Care Act – on persons with disabilities. In the last two weeks, I have had three clients who were seeking a finding of "disabled" by the Social Security Administration because being found eligible for a monthly disability check would qualify them to receive health care. None of them are now that they can purchase health insurance.
The private profit-making health insurance industry will not take individuals with pre-existing health conditions. One client, a published author, had lost her health insurance when she developed Crohn’s Disease. Although it was initially somewhat managed, painfully, by medications, she now needs to have many feet of necrotic intestinal tissue removed surgically from her stomach. Even though she has money, no insurance company would sell her health insurance. She has too much money for Medicaid eligibility. She will die without surgery.