A health insurance pool organized as a source of coverage for individuals who have been denied health insurance because of a medical condition, or whose premiums are significantly higher than the average due to health status or claims experience. The Affordable Care Act (ACA) established the Pre-existing Condition Insurance Program, a temporary, national high-risk pool program to offer coverage for uninsured individuals with pre-existing conditions from 2010 to 2014, when private non-group policies became available under new market rules prohibiting insurance discrimination based on health status.