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High-risk patients may be stuck paying high rates The Associated Press

14.05.10

CHICAGO — For thousands of Illinois residents who pay high health insurance premiums because of medical problems, the new federal health care legislation won't offer relief.

The 16,000 residents who already pay into Illinois' high-risk health insurance pool will keep paying high rates, while others who enroll this summer under a new, similar program will get coverage at much lower, more reasonable prices.

Illinois is among the states that have told the federal government they want to take part in the new high-risk pool program, an early component of the U.S. health care overhaul law. Illinois hopes to start enrolling people in the new program in July.

The federal government has $5 billion for the state pools, which will help people with pre-existing conditions get coverage until 2014, when insurance companies will no longer be able to deny them coverage. The law requires that the new, temporary pools charge no more than standard rates.

But only people who have been uninsured for six months are eligible — meaning those in the current state pool can't switch and save.

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