Not surprisingly, one of the highest risk groups that should make it into the marketplaces are those already in state and federal high risk pools…those who were previously uninsurable anywhere else. Believe it or not, those high risk folks too are to be added, just like everyone else, to the Marketplace with no differential rates for their pre-existing conditions. They will get much more affordable policies in the Marketplaces…but yes, are the reason why we need so many healthy young adults in the pools as well. Here is a study outlining the needs report