In Connecticut's quest for universal healthcare, insurers are quietly floating a proposal that advocates a new insurance pool for individuals who can't find or afford insurance in the private market. The pool would accept consumers regardless of health problems, but to make the pool work, the state would have to require everyone to have insurance, the insurers said. The Connecticut Association of Health Plans and the chief executive of Farmington-based ConnectiCare have been talking to legislators and business groups about the proposal, but it's not a bill yet and few details are available.