It’s expensive and unhealthy to be uninsured

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Most Americans without health insurance live in low to middle income families and have little or no savings.  They are billed directly for care, usually paying higher fees than those negotiated by insurance companies.  On average, they pay one fifth of their care out of pocket, and their unpaid medical bills are carried as medical debt, according to studies by the Kaiser Family Foundation.  Nearly one third of them are carrying medical debt. 

Low and middle income adults under age 65, who were without insurance in 2014, were twice as likely to have problems paying medical bills, as those newly-insured under the Affordable Care Act (ACA) or those who had been insured for years.  They were more likely to use up their savi...