When the Obama Administration unveiled the 2010 health reform law, one of the first provisions to go unto law was the rollback of lifetime insurance coverage limits. However, the application of these limits on those most prone to approach multi-million dollar limits are individuals with pre-existing conditions. To solve the problem, the law immediately created a high-risk pool, where these individuals could buy insurance without regard to their medical issues.

Speculation has reigned about how long it would take the federal money subsidizing high-risk pools to run out, thwarting those with pre-existing conditions from getting coverage under one of health reform's major early policy changes. But now it looks like the $5 billion Congress set aside for the high-risk pools might last a lot longer than many thought it would.