Filed Under:Health Insurance, Individual Health

Researcher compares PCIP, exchange plans

Health policy watchers could get ideas about how the new health insurance exchanges will work, or not work, by thinking about how exchange users might compare with the users of the Pre-Existing Condition Insurance Plan (PCIP) program.

Jean Hall, a health policy researcher at the University of Kansas, makes that case in a commentary published by the Commonwealth Fund.

If the exchanges start up on schedule and work as expected, users will be able to buy the coverage on a guaranteed-issue basis. Health insurers will have only a limited ability to use age and other personal health information to set rates. The exchanges will help low-income users sign up for Medicaid and other government health programs, and they will help moderate-income users use new tax subsidies to buy private health coverage.

The drafters of PPACA included the PCIP provision in an effort to provide immediate relief for uninsured people with health problems.

Featured Video

Most Recent Videos

Prospects not listening to voice mail? Arrange a phone date


Redesigning your phone life is more important than finding the “best words” for a voice mail in today’s culture.

Behind the scenes with Vicki Gunvalson [VIDEO]


In this exclusive interview, Vicki Gunvalson shares how she built a $15 million a year annuity business by planning for...

Regulator: Market may need to reinvent LTCI


Cioppa says Maine's governor wants to spur the creation of better products.

Dementia: It's more than Alzheimer's


An association calls for policymakers to remember lesser-known neurodegenerative conditions.

Related resources

More Resources


Power your business with up-to-the-minute insurance news, analysis, and best practices from LifeHealthPro Daily eNewsletter – FREE.

Power your business with LifeHealthPro Daily eNewsletter – FREE.

Enter a valid email address.
Nichole Morford

Nichole Morford
Managing Editor

Thank you for subscribing to LifeHealthPro Daily!

Check Out More eNewsletters Now! Close

Advertisement. Closing in 15 seconds.