Since 1975, a growing number of states have implemented high risk pools (HRPs), which offer non-profit health insurance to individuals who are unable to purchase affordable coverage in the private market because of pre-existing conditions. State HRPs often contract with a private health insurance carrier to administer the pool, and plan options can vary significantly both within pools and from state to state. This book examines the temporary federal high risk pool (HRP) program, also known as the Pre-Existing Condition Insurance Plan (PCIP); with a focus on enrolment, benefits and funding.
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