Insurance for Pre-Existing Conditions

If you’ve been without insurance for at least six months, today’s headlines offer hope:

…The Pre-Existing Condition Insurance Plan will begin accepting applications in many states on Thursday, with coverage available as early as Aug. 1, an administration official said Tuesday. Consumers can check availability in their states on a new website,, starting Thursday…

The link does not work, so my guess is that the site will go online tomorrow.

Edit to add:  The link now works.  Here’s what I found.

Pre-Existing Condition Insurance Plan

In August, eligible residents of (state) will be able to apply for coverage through the state’s Pre-Existing Condition Insurance Plan program run by the State Health Insurance Pool. 

To qualify for coverage:

  • You must be a citizen or national of the United States or lawfully present in the United States.
  • You must have been uninsured for at least the last six months before you apply.
  • You must have had a problem getting insurance due to a pre-existing condition.

The Pre-Existing Condition Insurance Plan will cover a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs.  All covered benefits are available for you, even if it’s to treat a pre-existing condition.

Premium: $177 to $1,577 per month
Deductible: Plan 1:  $2,500
  Plan 2:  $500
Out of Pocket Limit: Plan 1, medical:  $4,950 in-network, $7,400 out-of-network
  Plan 1, pharmacy:  $1,000
  Plan 2, medical:  $1,000 in-network, $2,000 out-of-network
  Plan 2, pharmacy:  $500

To request an application for this program, please email your name and mailing address to or mail this information to the address below: 

Department of Health and Human Services
200 Independence Avenue, SW
Room 741G04
Washington, DC  20201


4 thoughts on “Insurance for Pre-Existing Conditions

  1. I am an RN and have been without health Ins. sinse my Cobra ran out with the AR college benefits since I had to leave my Instructor position due to Health issues in 2007. I have Rheumatoid Arthritis and am unable to work full time. I am “too educated” to collect disability; so I was denied.I cannot afford or get accepted for health ins. due to preexhisting conditions. HELP!

    • Obamacare claims that now people with pre-existing conditions can get insurance. Click the link, find your state, and apply today.

      Education is not a qualification for disability, and most people are denied the first time. Those RA patients who are getting disability almost always need to appeal. They also get an attorney. There are some threads about getting disability on Arthritis Foundation’s website, so here’s a link to RA Connect: – there’s a search feature that will allow you to search for threads where people discuss how to go about applying and appealing. Here’s a link with some tips (looks like an attorney’s site):

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