Health Insurance for The Uninsurable
Health insurance for
individuals who are classified as "high-risk" (people who
have severe health conditions) are difficult for private
health insurance companies to cover under typical
individual health
insurance coverage. Consequently "risk pools" have
been established to help these individuals obtain health
coverage.
Essentially, a risk pool is a state-sponsored
association that, in most states, does not require tax
dollars to operate.
The
risk pools serve as a temporary solution for individuals who
are denied health insurance coverage for medical reasons.
Often times, risk pools help individuals fill a gap in their
health insurance coverage.
As of
2005, 33 states have passed risk pool legislation West
Virginia is the most recent.
The links below will provide specific resources that will
help you choose health insurance in your state, as well as
multiple carriers offering online health insurance quotes.
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