High-Risk Pools - Merely a Stopgap Reform

Journal Article

High-Risk Pools - Merely a Stopgap Reform

April 27, 2011

Abstract

The Patient Protection and Affordable Care Act (ACA) established a program of temporary high-risk insurance pools, the Pre-Existing Condition Insurance Plans.The program provides federal support for insurance pools enrolling only people with medical conditions that have prevented them from obtaining non-group health insurance. Enrollment has been low 12,437 enrollees as of February 1, 2011.This low participation level, however, should not be seen as a sign of the potential failure of the ACA's forthcoming comprehensive reforms; rather, it highlights the need for broad-based sharing of risk, combined with sufficient financial support from the government.

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Centers

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