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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

PCIP Will Phase Out in 2014

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Question: What happens to people who are insured by PCIP in 2014?

Answer: PCIP (Preexisting Conditions Insurance Plan) insureds will be free to select a health plan from Covered California or directly from a health insurance company. Since your preexisting conditions will no longer matter as far as purchasing health insurance is concerned, the need for the PCIP will cease to exist. The PCIP will have served the purpose for which it was created and it will phase out in 2014.


I am confused about the Government Coverage of PCIP which ends January 1, 2014. Should I be shopping for insurance with the rest of my family (husband and 2 sons) or should I be looking for individual coverage? It looks like our insurance premiums will much higher than when we were previously insured. How is this “An Affordable Care Act” when we will not be able to afford the insurance under the new plan. My husband has been contracting since be laid off from a job after 30 years.

Your concern about high premium rates for your family in 2014 is legitimate. If you do not qualify for a premium subsidy in Covered California, you probably will have a higher premium for the entire family then your cumulative premium today. How much higher? We won’t know until at least May of this year. But the coverage will be better overall than you now have. You should apply during the open enrollment period starting in October for coverage beginning January 1, 2014.

My husband has been insured with PCIP since the plan began. He has Leukemia and is 43 years old and his drug cost and doctor/lab visits are monthly and very expensive. My son (9) and I (43) are on a separate plan through Atena which has a very high deductible of 6,oo0 each and our drug coverage is only for generic. Our current coverage is more like a catastrophic insurance policy.
My husbands coverage with PCIP is very good and we are afraid that the rates for covering all three of us in 2014 will be very high and not good coverage. Is Covered California for everyone or just those that are in financial need. Also when do we have to transition my husband over from PCIP? I know that come Jan 1, 2014 PCIP will not exist.

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