If you have pre-existing condition or high-risk health condition, and are not covered by employer group health insurance plan, you can enroll in your state’s high risk pool program.

High Risk pool program is a special state-created health insurance program that serve as a safety net to people with chronic health conditions and high health risks.

With high-risk pool, you have access to comprehensive medical coverage. Premiums, although capped by law, are expensive, typically ranging between 1.5 to 2 times more than similar individual health insurance plan.

Like private health insurance companies, high-risk pools have a waiting period of 6-12 months on coverage of pre-existing health conditions.

Sometimes high-risk pools will waive the pre-existing, high-risk health condition exclusion period if you have prior coverage.

Currently, there are about 31 states offer high-risk pool programs that cover those with pre-existing condition.

Find more health insurance options, click here if you’re working and uninsured.

On the other hand, if you’re looking for health insurance for the unemployed, click here.