pools (referred to in this title as IHP ), for the reform of, and expansion of enrollment in, health insurance coverage for individuals and small employers. 3401. Definition of independent health pool (a) In General For purposes of this title, the terms individual health pool and IHP mean a legal nonprofit entity that meets the following requirements: (1) Organization The IHP— (A) has been formed and maintained in good faith for a purpose that includes the formation of a risk pool in order to offer health insurance coverage to its members