Many uninsured are un-employed

Chris Wodke
www.summittrainingpublications.com

 Many numbers have been thrown around during the health care debate about the number of u-insured in the United Sates.  The actual number of Americans without coverage is far lower than the 45 million often quoted. A recent article in American Spectator discusses some facts about the uninsured and the reasons for lack of coverage.

Un-employed
Often when someone loses their job they lose their health coverage. The option is there to purchase from the former employer through the COBRA. This can be an expensive option and many decide to go without insurance while they are without work. Once employed most of those employed full time regain health coverage. For most this is a short term lapse in coverage. If the cost of health insurance is lowered more unemployed would choose to remain covered.

By Choice
Some people choose to gamble and go without health insurance. Census figures show that over 18 million Americans under the age of 34 have chosen to go without insurance.  Some are in school or working part time and do not qualify for employer insurance. Some workers without insurance work for small businesses, but probably make enough to buy coverage.  According to researcher Sally Pipes 17.6 million workers without insurance make more than $50,000 and 9 million make more than $75,000.  38% of the uninsured U.S. population earns more than $50,000 per year. Do we really need a government option for people who can afford coverage, but choose not to be covered?

Unused Benefits
Many currently eligible for government paid benefits do not use them.  A 2003 study by Blue Cross Blue Shield association found 14 million of the un-insured were eligible for Medicare or other health care benefits.  They would be covered if admitted to a hospital.  A Georgetown health policy study found 7 out of 10 uninsured children were also eligible for government insurance coverage.  All their parents had to do was sign them up for it.

The actual number of the uninsured is actually closer to 8 million. Most of the uninsured are non citizens. They uninsured do have access at any emergency room. They cannot be legally turned away. The majority of uninsured citizens are unemployed, uncovered by choice or have not taken advantage of current benefits. Since many are uncovered by choice do we need another expensive entitlement program? Let’s at least use honest numbers during the debate.

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