For working people lives can certainly unravel and it often begins with a measure of bad luck! And it seems to accelerate with the loss of health insurance. There are many reasons that so many of us fall through the cracks of our patchwork health system.
A lot of small companies say that they cannot afford to offer any kind of health insurance because it is cost restrictive, which leaves the worker out to dry. A lot of people are between jobs or recent graduates, so therefore can’t get into group rate programs. There are millions of family-oriented people that have incomes of $50,000 that have no insurance because of high costs. It seems that companies that pay higher wages to their employees offer health insurance. Even so, if the premiums are ‘out the window’, it doesn’t make any difference if you make a high salary! Being underinsured is just as bad as being uninsured. Not having what is really needed in your insurance policy leaves you having to pay enormous 'pay of pocket' expenses that will make you financially done! People that have no or little insurance will not go to the doctor, get the pills needed to help them or, in general, just not take care of ourselves at all.
It seems that insurance companies are jumping on the bandwagon to help with premiums so that individuals or families can start hoping that, finally, there can be some help when the most precious ---- the children ----- and the family will be taken care of.
Some people think that the government should be the only one that pays for peoples healthcare, but I think, that private insurance companies and the whole market should join forces to make health insurance that best that it can be for everyone.