Finance Geek

President Obama is attempting to build support for a health care reform effort whose goals would be to restrain medical costs and cover tens of millions of uninsured Americans. The two goals are related, since government often winds up paying subsidies to health providers like hospitals and clinics who care for the uninsured.

But any government plan would have to confront and overcome a troubling characteristic of the uninsured that rarely gets discussed in reform debates: Many of them, perhaps nearly half of the 47 million Americans without coverage, earn enough to afford insurance, or qualify for existing government health programs, but still remain without coverage.

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