Why High-Risk Pools (Still) Won't Work

eAlert f27d4d8f-f861-46b1-b779-330694595b1b

<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>

http://www.commonwealthfund.org/publications/newsletters/ealerts/2015/feb/why-high-risk-pools-still-will-not-work Read the post