en English

State Risk Pools

State Risk Pools

• 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)

866-470-6242 (NAIC) Website

NAIC provides links and information on state department of insurance websites which can provide information on state risk pools.