• Are created by state legislatures for individuals who have pre-existing medical conditions that make them “high-risk” or “medically uninsurable.”
• Generally, there are no exclusions for coverage.
• Costs may be high and there may be waiting periods, however, state risk pools can make insurance available to those who would otherwise not be able to obtain coverage.
• Not all states have risk pools.
• Eligibility requirements vary from state to state. Contact your State Department of Insurance to locate a risk pool in your state of residence.
National Association of Insurance Commissioners (NAIC)
NAIC provides links and information on state department of insurance websites which can provide information on state risk pools.