The Texas Health Pool or otherwise referred to as the Risk Pool - for obvious reasons - is a complex beast and if you need information because you have questions, then make a call to your local insurance agent.

They're trained to give you what you need to know in minutes, instead of you taking hours to try and figure out what will work for you and what won't. This applies with any insurance program you may be considering, but the Risk Pool is a slightly different kettle of fish.

Basically you're eligible for Pool coverage if you are under 65, live in Texas, and are a US citizen or a permanent resident of the US for at least 3 continuous years. You need to provide the Pool with proof of one of the following things:

* Refusal by an insurance company to issue individual health benefit plan coverage because of health conditions

* A certified statement from an insurance agent that says they can't insure you with any state licensed insurance company due to your health conditions

* An offer by an insurance company to issue coverage that excludes a medical condition(s)

* You have been diagnosed with one of the substantial list of qualifying medical conditions to be accepted into the Pool. You can see the list online.

There are other eligibility criteria that deal with HIPAA categories that may also suit your particular situation. Dependents are also eligible for Pool coverage too. Of course there are also factors that would disqualify you for the Pool - for instance if you have other effective health insurance on the date Pool coverage would kick in.

There are honestly so many different options to consider, it's best to discuss your situation with a qualified health insurance agent who understands what your needs are.