Why High Risk Pools (Still) Won't Work

Many proposals to repeal and replace the Affordable Care Act rely on high-risk health insurance pools to cover people with preexisting conditions.

As the new Congress convenes and the Supreme Court prepares to hear arguments in the King v. Burwell case challenging tax subsidies for insurance purchased through the federally facilitated marketplaces, proposals to repeal and replace the Affordable Care Act (ACA) are resurfacing. Many of these rely on high-risk health insurance pools to cover people with preexisting health conditions.

In fact, the risk pools are suggested as a viable alternative to the ACA's ban on preexisting condition exclusions in the individual market and the marketplaces. My recent analysis of high-risk pools, however, explains why these entities simply are not a realistic alternative to coverage requirements under the ACA.

Read the full blog post at The Commonwealth Fund: http://bit.ly/1B6Jlzs