What is referred to as a "high-risk pool"?

A "high-risk pool" refers to a collection of individuals with pre-existing conditions who are often unable to obtain health insurance at standard rates due to their higher likelihood of needing medical care. These individuals are grouped together to help provide them with access to insurance options, despite their higher health risks.

High-risk pools are designed to ensure that those who might otherwise be uninsured due to their health status can still obtain coverage, often with appropriate funding mechanisms to help manage the financial risks associated with insuring this group. By establishing a high-risk pool, states or insurance markets can create a more stable environment for those individuals who otherwise would struggle to find affordable health insurance.

The other options do not accurately describe a high-risk pool. A group of individuals without any health coverage does not designate a specific collection aimed at insurance provision, nor do in-network provider funds relate to the concept of managing high-risk individuals. Low-premium insurance strategies are typically associated with healthier populations or preventative care, not a group characterized by health issues.