What is a Pre-Existing Condition Insurance Plan (PCIP)? The Pre-existing Condition Insurance Plan is a federal program that offers health coverage to medically-uninsurable individuals who live in California.  This federally-funded health coverage program is the result of federal health care reform and is meant to help individuals who are unable to obtain traditional, individual health insurance due to a pre-existing condition. To qualify for the PCIP, a person must: Be a California resident Have no health insurance coverage for the past 6 months prior to application date Be a U.S. Citizen, U.S. National, or lawfully present individual Provide a social security number Have been denied