A temporary insurance pool has been proposed by the Obama Administration where uninsured people with medical problems could buy coverage at reduced rates. It has been done in order to make the new health care law more successful.

Kathleen Sebelius, the Secretary of Health and Human Services shared that the program will help those Americans get affordable insurance who had been locked out of the insurance market.

The program would be available from late June of this year to Jan. 1, 2014. The private insurers will be required to accept all applicants in that duration of time without fluctuating premiums on due to a person's medical condition.

Contracts can be signed with states to operate insurance pools meeting federal standards under the new law by Ms. Sebelius. The Federal Government can either operate the pool directly or hire a nonprofit organization to run it in any state that is not willing to do so.

A consumer must have a pre-existing condition and should be uninsured for the past six months before he or she files an application to qualify for the high-risk pool, whereas premiums in the new program will be set at standard rates.

Letters have been sent to the governors as well as the state insurance commissioners on Friday by Ms. Sebelius for knowing about their willingness about the new program.