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5 votes
Which of the following allows uninsurable individuals to obtain coverage through pool coverage?

A. HIPAA
B. COBRA
C. Reinsurance
D. Risk retention group

User SupaMonkey
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1 Answer

5 votes

Final answer:

HIPAA allows uninsurable individuals to obtain health coverage via high-risk pools, whereas other options listed, like COBRA, Reinsurance, and Risk Retention Groups, do not provide such specialized pools for uninsurable individuals.

Step-by-step explanation:

The coverage option that allows uninsurable individuals to obtain coverage through pool coverage is HIPAA (Health Insurance Portability and Accountability Act). Under the HIPAA act, high-risk individuals who have preexisting conditions or who have had trouble obtaining insurance in the past can join a high-risk pool, which provides a safety net for those deemed uninsurable by traditional insurance standards. While COBRA allows for temporary continuation of health coverage, it does not create a pool for uninsurable individuals. Reinsurance is a mechanism insurers use to protect themselves from large claims, not a means for individuals to get coverage. A risk retention group is a group self-insurance mechanism that allows businesses to insure against product liability and other commercial risks, not health coverage for uninsurable individuals.

User Thierno Amadou Sow
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