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In a recent study done in the States regarding health insurance coverage it was found that one of the most surprising findings of the survey was the large number of uninsured eligible for existing programs. Yet it mirrors the findings of a recent national study that found that 25 percent of the uninsured are eligible for affordable health insurance but not enrolled in a public insurance program. By increasing enrollment in existing affordable health insurance programs, many states would find their uninsured rate dropping substantially. In fact there may not be as great a need for affordable health insurance as it was once thought.

Not Everyone Is Interested In Joining An Affordable Health Insurance Plan

On the one hand, many who have access to affordable health insurance are not taking advantage of that access, on the other hand, the fact that many middle- and upper-income families choose to remain uninsured suggests that they don't have access to policies they want at a price they can afford - a situation often caused or exacerbated by burdensome state mandates and regulations. These variations in the makeup of the uninsured population make it very difficult to craft a one-sizefits- all solution. Demanding that insurers take anyone
who applies for coverage (known as "guaranteed issue") might solve the problem of the chronically ill getting coverage, but experience shows that those state premiums rise dramatically, driving the young and healthy out of the market.

There Needs To Be Affordable Health Insurance For All Groups Of People

In the United States there is a situation where individuals who lack health insurance coverage but have access to government sponsored programs of affordable health insurance are not taking advantage of these affordable health insurance programs because they are still too expensive for them. In some cases such coverage has been required but requiring people to have insurance does nothing to help them afford that coverage. Indeed, recent reports from Massachusetts tell us that many smaller non-profits
may have to close their doors because they can't afford to provide employees with coverage.
Does that mean that state laws and regulations can sometimes discourage people from getting health coverage? The answer is a resounding yes.