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.