High-Risk Pools: An Illusion of Coverage That May Increase Costs for All in the Long Term

High-risk pools are included as a state option in the American Health Care Act recently passed by the U.S. House of Representatives. These plans segregate persons with preexisting conditions from the broader insurance pool to a much smaller pool with others who have potentially high costs. This commentary discusses what we know about the past performance of high-risk pools and why reinstituting them would constitute a huge step backward for American health care policy.

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