will be a national high risk pool available for individuals if they meet two conditions. one, they have to be uninsured for six months. second, you have to have a pre-existing condition like heart disease, cancer, asthma, diabetes. look for that within the next 90 days. >> from michelle, is there a definition of whom companies will be required to offer health insurance to? i can see many companies dropping people to part-time status to avoid being required to offer them health insurance. >> well, in 2014, if you're an employer that has 50 or more workers defined as full-time workers, working 30 hours or more and even part-time workers. if you have two 15 hour a week workers, that's one full-time offer. they have to offer insurance or pay a penalty. for the employer of 50 the penalty would be about $40,000 if they don't offer coverage. if they do, they will have to