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This program is administered
by the Managed Risk Medical Insurance Board (MRMIB).
Welcome to the Pre-Existing Condition Insurance Plan (PCIP) website!
As a result of the federal Affordable Care Act of 2010, California has a contract with the federal Department of Health and Human Services to establish a federally-funded high risk pool program to provide health coverage for eligible individuals. The program will last until December 31, 2013 when the national health reform is set to begin. After that date, there will no longer be a need for high risk pools because federal rules will not allow insurers to reject persons with pre-existing conditions or charge them higher rates than those without such conditions.
The federally-funded program is called the California Pre-Existing Condition Insurance Plan (PCIP). The PCIP offers health coverage to medically-uninsurable individuals who live in California. The program is available for individuals who have not had health coverage in the last 6 months. The California PCIP is run by the Managed Risk Medical Insurance Board (MRMIB).
PCIP Not Accepting New Enrollments for Applications Received After March 2, 2013
(Posted on 2/22/13)
Following federal direction, received on February 15, 2013 California PCIP will suspend new enrollments for applications received after March 2, 2013. Read more
The 2013 English PCIP/MRMIP Application and Handbook is now available!
(Posted on 12/27/12)
Each year the PCIP/MRMIP Application and Handbook is revised to include the latest program information, new MRMIP monthly premium rates and plan information. The English version of the 2013 PCIP/MRMIP Application and Handbook is now available. Read more
New 2013 Major Risk Medical Insurance Program (MRMIP) Premium Rates Effective January 1, 2013.
(Posted on 11/28/12)
New "Fillable" PDF Application for FAX Submission!
(Posted on 09/04/12)
Applying For PCIP is Now Even Easier and Faster Than Ever!
The fillable PCIP/MRMIP PDF Application is now available for applicants, insurance agents/brokers and certified application assistants to fill out and print for fax submission. Read more
Convenient New Premium Payment Options Available!
(Posted on 09/04/12)
PCIP subscribers now have more options when paying their monthly premiums. Read more
PCIP Coverage Start Date and Requesting an Earlier Start Date
(Posted on 07/23/12)
Complete PCIP Applications and required documents received by the program after the 15th of the month, where an applicant is eligible for PCIP, will receive a coverage start date the first day of the second month. For example: a complete application received July 16th will have an effective date of September 1st. You may be eligible to have your PCIP coverage start date changed to an earlier date. Read more
Spanish PCIP Now Available
(Posted on 05/25/12)
The PCIP website is now available in Spanish. At the top of all PCIP web pages you will find a toggle to change the website language between English and Spanish. The left side link "en español" will also take you to Spanish. Read more
No Changes to California’s State Administered PCIP Program
(Posted on 05/11/12)
Center For Medicare & Medicaid Services (CMS) announced changes to the federally administered PCIPs. Changes to the federally administered PCIP programs do not apply to the CA PCIP. Read more
PCIP Will Now Pay Enrollment Entities (EE) Application Assistance Payments.
(Posted on 08/29/11)
Enrollment Entities (EEs) and Certified Application Assistants (CAAs) are an invaluable resource for helping uninsured Californians get the health insurance they need. To help ensure that everyone who is eligible for the Pre-Existing Condition Insurance Plan (PCIP) applies, PCIP will pay EEs application assistance payments. Read more
Pre-Existing Condition Insurance Plan (PCIP) Eligibility When Moving From Another State to California
(Posted on 08/3/11)
When former Pre-Existing Condition Insurance Plan (PCIP) subscribers from other states’ PCIP programs are disenrolled because they moved out of state, transfer of their PCIP eligibility to the Golden State’s PCIP is easy! Read more
Pre-Existing Condition Insurance Plan (PCIP) and Major Risk Medical Insurance Program (MRMIP) Differences
(Posted on 8/30/10)
The California Major Risk Medical Insurance Program (MRMIP) is a separate state program also run by MRMIB for medically uninsurables with different eligibility rules, annual deductibles, annual/lifetime cap, and monthly premium costs compared to the PCIP. Read more