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Health Care > Risk Pools, Residual Risk

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Risk Pools, Residual Risk Defined

Small groups that include individuals with known health conditions requiring medical services are considered to be high risk and have premiums that are higher than average for groups of comparable size. Creating a larger pool by merging these groups to spread the risk across a larger base or to seek relief through government-sponsored and funded risk pools are two approaches under consideration to contain the premium costs for residual risk groups.

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