What is a State High-Risk Pool?

Answer:
A state high-risk pool is a government

program that offers health insurance coverage for individuals that have been denied insurance by private insurance companies. These high-risk pools often offer the only source of insurance for many people who are considered to be “uninsurable” because of various health conditions. Unfortunately, these high-risk pools are not available in all states.

The insurance premiums for high-risk pools are more costly than private insurance premiums. In fact, the premiums may be twice as much and be adjusted according to age. High-risk pools usually impose a waiting period for any pre-existing medical conditions. There may be a possibility that the high-risk pool will waive this waiting period if you have previous continuous health coverage.

If you have been rejected for health insurance coverage, you should contact your state high-risk pool to ensure that you meet all the qualifications for eligibility.


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