Individuals denied coverage because of a pre-existing condition would likely rely on high-risk pools to access health insurance.

That decision is now pending appeal.

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Older man sitting down with a headache

Health care provider and patient

Mature couple working on family finances at home together. They pay bills, complete income taxes, apply for home loan, investing, or pay off a credit card.

![The mid adult female doctor and her senior adult male patient discuss the home healthcare options listed in the brochure.](https://cdn.aarp.net/content/dam/aarpe/en/home/pri/topics/health/coverage-access/Experience-Has-Taught-Us-That-High-Risk-Pools-Do-Not-Serve-Consumers-Well/_jcr_content/root/container_main/container_body_main/container_body1/container_body_cf/container_additional_1/container_2123475527/featuredlist/tabItem/eliminating-access-no-cost-preventive-health-services-affect-older-adults5.coreimg.75.932.jpeg/content/dam/aarp/ppi/topics/health/coverage-access/no-cost preventive-health-services-report.jpg)