The new health law would set aside $5 billion to help states create or expand existing programs to guarantee coverage for people whose pre-existing conditions prevent them from getting medical insurance. The law bans insurers from rejecting children for their medical histories starting in September. That provision doesn't kick in for adults until 2014, when most Americans will be required to buy coverage. In the meantime, state or multistate high-risk pools are being created to provide coverage to the medically uninsurable. They are supposed to be set up by the middle of June. The law also creates a new national high-risk pool that may or may not be offered to states with existing programs, the San Francisco Chronicle reports.