Pooling is done to protect a plan and its members from the consequences of costs related to the risk of having one or more major claims. A very high claim may result in a big increase in premiums that may prove impossible for the group to absorb. By pooling claims exceeding the threshold per certificate among all Pooling Participants, we prevent there being too great an increase in premiums; we protect the plan’s financial health; and, therefore, we protect accessibility to private coverage for all members and their dependents.   Pooling is an obligation prescribed in section 43 of the Act Respecting Prescription Drug Insurance.