High-Risk Pool Plan

Prior to the Affordable Care Act, the federal government and a number of states experimented with high-risk pools.

For more than 35 years, many states operated high-risk pool programs to offer non-group health coverage to people insurance companies refused to insure.

The federal government also operated a temporary high-risk pool program established under the ACA prior to the start of Obamacare in 2014.

♦ The pools offered plans that provided coverage if you have been locked out of the individual insurance market because of a pre-existing condition.

Prior to the ACA, 35 states experimenting with high-risk pools and they failed miserably.

The pools needed more funding than they got. This caused states to limit enrollment or set premiums so high they became unaffordable.

♦ The GOP's 2017 efforts to replace Obamacare proposed high-risk pools again.