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Temporary Pre-Existing Condition Insurance Plan Program Ends Dec. 31, 2013

UPDATE Jan. 15, 2014: Temporary Pre-Existing Condition Insurance Plan Program Extended to Mar. 31, 2014*

November 26, 2013

With the rollout of the Affordable Care Act (ACA) and the opening of health insurance marketplaces, people with pre-existing conditions such as cystic fibrosis are now able to purchase health insurance coverage regardless of their health condition.

People who are currently enrolled in the temporary, federal Pre-Existing Condition Insurance Plan (PCIP) program must enroll in a new health plan by Dec. 23, 2013, to avoid gaps in insurance coverage when PCIP coverage ends on Dec. 31, 2013.

PCIP was created when the ACA was signed into law in 2010 to help people with pre-existing conditions purchase health insurance coverage until the law’s new options and protections became available. Under the ACA, people with pre-existing conditions cannot be denied coverage because of their health status unless they have a grandfathered plan — one that was issued prior to March 23, 2010.

If you or a family member is enrolled in PCIP and are considering enrolling in a new health insurance marketplace plan, you must apply for and enroll in a new plan by Dec. 23, 2013, to prevent a lapse in your health insurance.**

People with CF and their families can learn more about coverage options at the CF Foundation’s new Health Insurance & the Affordable Care Act page and can compare marketplace plans using the marketplace insurance assessment tool.

If you have specific questions or concerns regarding your health insurance coverage, please visit the Foundation’s Patient Assistance Resource Center, call 1-888-315-4154 or email

*Coverage under the temporary, federal Pre-Existing Condition Insurance Plan (PCIP) has been extended to Mar. 31, 2014. Read more here.

**Edit: Since first publishing this article, this deadline has been extended. For more information, please visit

The Cystic Fibrosis Foundation is an accredited charity of the Better Business Bureau.