You’re afraid your cancer is back, and a health insurance company just turned you down. Under the health care bills in Congress, you could apply for coverage through a new high-risk pool that President Barack Obama promises would immediately start serving patients with pre-existing medical problems. Wait a second. Advocates for people with serious health problems, as well as some insurance experts, are raising questions about one of the most important upfront benefits in the Democratic health care legislation: a high-risk pool for the medically uninsurable.

Obama proposed the pool in his September health care speech to Congress. Now, concerns are being raised about the design of the high-risk pools. The money would be used to help people in poor health pay premiums.

Obama credits his Republican presidential rival, Sen. John McCain of Arizona, for the risk-pools idea. The six-month wait is in the health care bill the Senate Finance Committee approved last month. “If you are somebody with cancer or a heart condition who needs immediate coverage and immediate treatment, that’s not very helpful,” said Karen Pollitz, a Georgetown University health policy professor.

Both the House and the Senate Finance bills set aside $5 billion for the pools.

If the Democrats’ risk pool starts running out of money, the government may have to start a waiting list, raise premiums or take other unpopular measures.

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