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How would a new health insurance pool work?

Los Angeles Times, January 11, 2010

Both the House and Senate bills would provide $5 billion to create a temporary insurance pool until an insurance exchange is developed. Under the House bill, this program would be available to people who have a preexisting condition or have been uninsured for at least six months. Under the Senate bill, individuals would have to meet both requirements to be eligible. Here, the Los Angeles Times tries to further explain how the insurance pool would work.