California second behind Pennsylvania in Pre Existing Conditions Insurance Plan enrollment « Health Insurance Advisory

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new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

California second behind Pennsylvania in Pre Existing Conditions Insurance Plan enrollment

The California Pre Existing Conditions Insurance Plan is now second behind Pennsylvania with the highest number of enrollees in the new government Pre Existing Conditions Insurance Plan. To-date, the golden state has enrolled more than 6,000 residents.

The new healthcare law requires states to offer health insurance for pre existing conditions to eligible residents. Under the Pre Existing Insurance Plan, an uninsured resident of a state who is a citizen or legal resident of the United States that has a pre existing condition can enroll in their state’s health insurance plan for pre existing conditions.

For some individuals, the new government Pre Existing Conditions Insurance Plan is the only alternative for individual medical health insurance. Since health insurance companies medically underwrite in most states today, many applicants cannot qualify for or have been declined individual medical health insurance because of their health status. This special low cost medical insurance program, sponsored by the government, is temporary until January 2014 when health insurance companies must accept every applicant for individual medical health insurance, regardless of health status.

While some people are critical of the California Pre Existing Conditions Insurance Plan, claiming the health plan premiums are too expensive, the cost of comparable coverage in the private insurance market, if the applicant could even get approved, would be three to five times as much, according to Allan Zee of healthinsuranceadvisory.org. ”With premiums starting as low as $199 per month, the California Pre Existing Conditions Insurance Plan is a bargain, especially considering the program is guaranteed medical insurance that provides full major medical coverage, even for pre existing conditions,” says Zee.

For more information on health insurance for pre existing conditions, visit healthinsuranceadvisory.org.

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