Those with good health may find the cost of insurance too high for the perceived benefit, and some will remove themselves from the risk pool.

Small businesses aren't able to provide that big risk pool, and so they face much higher premiums and insurance costs.

Q. Individuals in the risk pools would pay a premium covering part of the cost.

But because the risk pool comprises all state residents, the costs are much lower.

People with preexisting conditions in high risk pools will be able to transition to the same insurance policies available to every other American.

A government agency usually assigns the risks and manages the risk pool.

Governments can then subsidize health care for the unemployed or the retired through the risk pool system.

And he didn't even mention the $3 billion in unfunded claims against the assigned risk pool.

To put a third of your 401(k) in the same risk pool is not a smart thing to do.

Instead, he suggests expanding the risk pool to make healthcare affordable for those people.