9cff82d2__Your_Indispensable_Guide_TIME__What_it_is
[Term] Pooling [Why it matters] Reform proposals would enable individuals and small groups  like small businesses  to join large pools through a publicly run health-insurance exchange (see definition). A public health-insurance plan would also provide a mechanism for pooling Americans who are now forced to buy insurance on their own or in small groups. [What it is] 
Grouping large numbers of people together to spread out their health-insurance risks. The larger and more diverse the pool of people, the cheaper their premiums can be.
Understanding the Health-Care Debate: Your Indispensable Guide-TIME
What it is