Inadequate Insurance Coverage
. In 2005, 46.6 million people were uninsured, 7 million more than in 2000. Because insurance coverage is very unstable and
changes as people change jobs or life circumstances, 28 percent of working-age adults are uninsured at some point during the year. Cost pressures have also led employers to limit benefits and require higher deductibles and more cost-sharing by patients. As a result, at least 16 million insured adults are underinsured, and can experience financial difficulties obtaining care.
Rates of uninsured adults varied in 2004-2005 from 30 percent in Texas to 11 percent in Minnesota. By contrast nearly all major industrialized countries provide universal and comprehensive health insurance coverage.