Skip 
Navigation Link
Health Insurance
Resources
Basic InformationLatest News
Health Insurers Recruiting Former Pharma Reps to Cut CostsLeading Medical Groups Mobilize Against Obamacare RepealUncertainty for Obamacare Plans as Filing Deadline Approaches4 in 10 Job-Based Health Plans in U.S. Are Now 'High-Deductible'High-Risk Pools May Represent Step Back for U.S. Health CareCBO: 23 Million Would Lose Health Insurance Under House Health Care BillObamacare a Win-Win for Poorer Adults: StudyCDC: Slowing of Decline in Number of Uninsured AdultsPeople With Pre-Existing Health Issues Fear Repeal-and-Replace BillIncreases in Rates of Insured Don't Harm Continuously InsuredGOP Health Reform Push Faces Uncertain Future in the SenateHouse OKs Republican Health Care BillAmericans Uneasy With Push to Repeal Obamacare: HealthDay/Harris PollHouse to Vote Thursday on Amended Bill to Repeal and Replace ObamacareHouse Delays Vote on Obamacare OverhaulSingle-Payer Health System Bill Moves Forward in CaliforniaCrossroads for ObamacareTrump Rolls Out First Set of Obamacare FixesWhite House, GOP Lawmakers Revisit Health Care BillTV Ads for ACA Enrollment Linked to Decline in Uninsured RatesHealth Insurance a Key to IVF Success, Researchers SayHouse Republican Leaders Pull Bill Aimed at Repealing 'Obamacare'Analysis: Millions Would Lose Health Coverage Under GOP OverhaulACA's Medicaid Expansion May Pose Challenges to Timely CareObamacare's Medicaid Expansion Cut Medical Bill Worries, Study FindsRepublicans Introduce Affordable Care Act ReplacementPatient Organizations Offer Advice on Reforming ObamacareOverall, 8.8 Percent of U.S. Population Uninsured in 2016Doctors Handled Influx of Obamacare Patients: StudyCMS Rule Set to Stabilize Small Health Insurance MarketsThe Short- and Long-Term Prognosis for ObamacareTrump Administration Rolls Out New Obamacare RulesWhat's Next for the Obamacare Insurance Exchanges?Jan. 31 Is Next Deadline to Enroll for ObamacareMajority of Primary Care Docs Oppose Repeal of Obamacare: SurveyObamacare Boosted Coverage for the Chronically Ill, Study Finds2 GOP Senators Unveil Obamacare AlternativeObamacare Covered More People With Mental Illness, AddictionsSteep Bills Surprise Patients Who Go 'Out-of-Network'Obamacare Repeal Could Bring Many More Uninsured, Higher PremiumsIRS Reminds Millions About Fines for Not Signing Up for ObamacareHouse Joins Senate in Bid to Repeal ObamacareSenate Starts Obamacare Repeal ProcessObamacare Boosts Breast Cancer Screening, Study FindsPenalties Under ACA Tied to Drop in Medicare Readmission RatesUninsured Rate Hits New Low Due to Obamacare: ReportAlmost 1 in 4 Face Surprise Bills After ER VisitTrump Victory Won't Derail Obamacare Open Enrollment for 2017Health Professionals View Insurance As Solution in ObesityFew Changes in Employer-Sponsored Insurance 2013-2014
Questions and AnswersLinksBook Reviews
Related Topics

Health Policy & Advocacy
Healthcare
Workplace Issues

High-Risk Pools May Represent Step Back for U.S. Health Care


HealthDay News
Updated: May 30th 2017

new article illustration

TUESDAY, May 30, 2017 (HealthDay News) -- Proposed legislation as part of the American Health Care Act, which includes the option of high-risk pools, is not likely to reduce costs, according to an Ideas and Opinions piece published online May 23 in the Annals of Internal Medicine.

Jean P. Hall, Ph.D., from the University of Kansas Medical Center in Kansas City, discusses high-risk pools, which segregate persons with preexisting conditions from the broader insurance pool to a smaller pool with others who have potentially high costs.

Hall notes that high-risk pools operated in 35 states prior to implementation of the Affordable Care Act, during which time there were 47 million uninsured people, including 33 million who lived in states with high-risk pools, suggesting that these pools were not making insurance affordable or accessible. Historically, high-risk pool coverage was associated with high premiums and deductibles and serious limits on coverage. High-risk pools developed under the proposed legislation are likely to have stringent coverage limits. Higher premiums, deductibles, and out-of-pocket costs allowed under the proposed legislation may make high-risk pool coverage unaffordable for many people.

"Insurance works best when it spreads costs across a large pool of people, limiting the effects of those with higher costs on overall rates," Hall writes. "High-risk pools do not work, because they concentrate costs and require subsidies at a level that policymakers have never funded adequately."

Support for this article was provided by The Commonwealth Fund.

Abstract/Full Text (subscription or payment may be required)