bella lavita keto bhb For the most part, in order to qualify for coverage in one of the risk pools, a person has to have been uninsured for at least six months. This was created to keep people from switching off of other coverage (including existing high risk pools) and then jacking up the new pools with members. For those who have conditions and have been uninsured for several months after exhausting COBRA or after an employer goes out of business and stops offering health insurance all together, a high-risk health plan will likely be a good fit for you.