Pool Administrators Inc. (PAI) has extensive experience with individual and small group insurance markets, including adverse selection. For over twelve years, we have worked with public reinsurance organizations in more than 25 states, including high-risk individual pools, NAIC-model small group health reinsurance pools and individual reinsurance pools. In both an administrative and advisory capacity, PAI has been directly involved with spreading the risk and balancing the market associated with a guarantee issue environment, as well as issues of health insurance accessibility and affordability.