Private - Sector Programs

The private insurance market is dominated by large employer-sponsored group plans. Still, many people cannot participate in employer-based health insurance plans either because they have a chronic medical condition that pre-dated their employment or they are not offered. Acting alone, smaller employers and the self-employed cannot spread risk across a large pool of individuals so the health insurance plans they can purchase may be prohibitively expensive.

High-Risk Pools for the Medically Uninsurable

High-risk pools provide a safety net for people unable to obtain standard medical insurance (most often due to a pre-existing medical condition). Although expensive, most pools have waiting lists because this may be the only option available for otherwise medically uninsurable individuals.

Click here for contact information on high-risk insurance pools.



About AHA


Member Constituency Sections

Key Relationships

News Center

Performance Improvement

Advocacy Issues

Products & Services


Research & Trends


155 N. Wacker Dr.
Chicago, Illinois 60606

800 10th Street, N.W.
Two CityCenter, Suite 400
Washington, DC 20001-4956