Why High-Risk Pools (Still) Won't Work
eAlert
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<p>Many proposed alternatives to the Affordable Care Act (ACA) rely on high-risk insurance pools to cover people with preexisting health conditions. In a new blog post, Jean Hall of the University of Kansas, who authored a recent Commonwealth Fund analysis of high-risk pools, explains why they aren’t a substitute for the ACA’s coverage expansions. </p><p>Hall makes the case that high-risk pools are expensive to administer and expensive for consumers. The insurance they provide has often included annual and lifetime benefit limits, coverage gaps, and very high premiums and deductibles.</p>
<p>Read the post to find out why spreading risk broadly, as the ACA does, offers a more efficient pathway to affordable, comprehensive coverage. </p>