'Uninsurables' face extra hurdle for preexisting ailments (IA)

In many states, people with preexisting conditions can get a helping hand from third parties that pay the PCIP premiums on their behalf. But a handful of states, like Iowa, have decided to prohibit third parties from picking up the tab. Some Iowa health officials would like to use federal funds from the AIDS Drug Assistance Program to pay the PCIP premiums for residents who have HIV/AIDs. But the board that runs the Iowa PCIP sees the situation differently. Overall, the PCIP program received $5 billion to fund plans nationwide until 2014, when insurers will be required to cover everyone regardless of their health. Although only 49,000 have signed up, far fewer than originally projected, those who are enrolled have higher medical costs than expected.