Creates high-risk pool coverage for people who have been uninsured for at least six months and cannot
obtain current individual coverage due to preexisting conditions. This national program can work with
existing state high-risk pools and will end on January 1, 2014, once the Exchanges become operational
and the other preexisting condition and guarantee issue provisions take effect. It will be financed by a
$5 billion appropriation and premiums will be capped. Employers are prohibited from putting individuals
into the high-risk pool with associated fines.