They are more likely to receive substandard care from being underinsured or because of high cost-sharing and other barriers to quality care.
Or you might decide you are underinsured because the residual benefits in a newer policy are far more restricted than you thought.
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Hospitals have been accused of excessive charges, discriminating against uninsured or underinsured patients and acting like monopolies by controlling a specific market.
In fact, a 2005 study by Harvard University showed that 75% of medically-related bankruptcies occur for people who have health insurance, i.e. the underinsured.
It's often the only option for the uninsured and the underinsured.
Thousands of uninsured and underinsured people showed up for free care, and many were treated in the section of the county fairgrounds where barnyard animals are usually kept.
"We do have a core agreement about making coverage affordable for people who don't have coverage today, or are underinsured, or are at risk of losing coverage, " he says.
The ABI said the Riot Act rules provided a safety net for the underinsured and meant that premiums did not rise every year to cover for a relatively rare event.
But exchanges are not a panacea and, frankly, can do more harm than good by accelerating the number of underinsured without also protecting the consumers from literally gambling with their health.
For its part, Novartis counters that Gleevec is provided at no charge to 5, 000 uninsured or underinsured Americans each year and, so far, some 50, 000 people in poor nations have received the drug for free.
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