Who exactly are the uninsured? At any given time:
Roughly one-fourth of the uninsured are eligible for Medicaid or a State Children's Health Insurance Program (SCHIP), or have already enrolled and are erroneously counted as uninsured. If they are not otherwise getting free care, they can generally enroll at the time of treatment ? or even later!
More than 40% of the uninsured live in households with annual incomes in excess of $50,000 and presumably could pay premiums (or the employee's share of premiums) ? although there is some argument about the meaning of this number.
About one-fourth of the uninsured are immigrants, many of whom are illegal and will not be helped by health reform in any event.
Some of these categories are overlapping. Here is Keith Hennessey's attempt to give an integrated accounting.
Two more things to keep in mind: (1) federal and state legislation has made it increasingly easy to get insurance after people get sick and (2) an enormous amount of free care is delivered to people who have no insurance. These two factors alone virtually guarantee that many people will voluntarily choose to remain uninsured so long as they are healthy:
Federal legislation prohibits employers from denying coverage to employees because of health status and legislation in every state prohibits group insurers from denying coverage because of health status.
Six states even extend this type of regulation to the individual market and almost every state that does not has risk pools with subsidized insurance for people with pre-existing conditions.
The Urban Institute estimates that public and private charity care totals to more than $1,100 per year for every uninsured person in America.
So tell me again, why we are about to spend $1.5 trillion on health reform?




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