How Many People Have Health Insurance?

By definition, having health insurance means you’re protected from the high costs of unexpected medical bills and procedures when they happen.

However, not everyone in the United States has health insurance, which can make a bad situation even worse.

Here’s how many people have health insurance in the U.S., and what can be done to change that number, if possible.

The importance of having health insurance

Just because you have insurance doesn’t mean that you are completely covered.

Even if you do have health insurance, a significant amount of money may still be left to pay in deductibles, co-pays and out-of-pocket expenses.

To ensure that your healthcare costs don’t go over your budget, it is important to determine how much coverage your insurance will provide for each procedure before visiting an office or hospital.

When choosing between plans and providers, there are many factors to consider including: price; co-pay options; inpatient or outpatient service; and healthcare provider network.

It is also important to keep up with what your plan covers and what you must pay for on your own.

Why do some Americans still not have coverage

There are several reasons for why some Americans may not have health insurance.

Even though there’s a widespread belief that most people in America get coverage, it’s actually quite difficult to obtain health insurance.

Other countries have a single-payer health care system that provides services for everyone, regardless of income level or medical history, but in America private companies provide most medical coverage.

In fact, close to 10 percent of Americans don’t have any type of insurance coverage at all.

That’s one out of every ten people you pass on your way to work!

What is dental coverage and do I need it

Today, dental insurance coverage is available to most working Americans.

In fact, there are a number of employers that offer a choice between dental and medical coverage for their employees.

Dental insurance covers a variety of costs related to regular visits to your dentist and procedures such as cleanings, fillings, x-rays and oral surgery, in addition to certain procedures performed by an endodontist or periodontist.

For example, if you’re covered by dental insurance and need an extraction done at your general dentist’s office instead of an endodontist’s office (which could lead to more expense), your benefits might cover some or all of that cost.

The importance of dental coverage

Even if you have health insurance, it may not cover basic dental care.

If your dental plan doesn’t include benefits for cleanings, exams and x-rays, it might not be enough.

Without these services, you could face expensive issues down the road like cavities and gum disease that could require surgery or result in tooth loss.

Even if you don’t want to go to a dentist regularly for checkups, it makes sense to invest in comprehensive coverage.

What happens if you don’t get coverage

If you can’t afford health insurance and don’t qualify for Medicaid, you will face penalties—both fines and fees—if you don’t get coverage.

For example, you may be fined up to $695 per adult or 2.5 percent of your household income if you don’t have health insurance in 2017.

A family could owe up to $2,085 or 2.5 percent of their household income.

Fines will rise every year until 2020 when they top out at $2,085 per adult or 4 percent of a household’s income.

Health insurance statistics 2021

To put it simply, health insurance companies are struggling to make ends meet.

They’re plagued by a number of industry-wide problems: The cost of healthcare has risen dramatically in recent years.

Because they can’t change their prices on their existing customers, they’re left with no other option but to raise premiums, deductibles and copays on new enrollees.

This trend will continue throughout 2021. As fewer people enroll into health insurance plans and more individuals drop out of coverage because they can’t afford it, insurers have less money coming in from premiums.

Meanwhile, out-of-pocket expenses for medical care keep rising.

Why are people uninsured

The leading reason why people are uninsured is that they can’t afford it.

As you might have guessed, poverty rates correlate directly with high uninsured rates.

According to a 2013 report from The Commonwealth Fund, in 2012 more than half of households making less than $35,000 per year had no health insurance.

Of those making less than $20,000 annually (roughly one-quarter of all Americans), more than 40 percent were uninsured.

And even among those who do have coverage from an employer or government program like Medicare or Medicaid, many opt not to sign up for coverage.

Health insurance coverage by state

Health insurance coverage is often tied to employment, and jobs are concentrated in certain areas.

So it’s not surprising that health insurance coverage varies by state. You might find that an overwhelming number of your clients come from one or two states.

Having a strong understanding of how many people have health insurance at all is a good first step towards planning advertising strategies, even if you only serve one state.

Check out our data visualization tool on health insurance coverage across 50 states and Washington D.C.. Read more about finding your target audience here .

No health insurance

(number)% of adults in America have no health insurance, so what does that mean for them? Well, it means you’re going to be in a very long line with countless other people waiting to be treated.

On average, you will wait four months to see a specialist and eight months to get specialty treatment.

You can only imagine how long it takes when there are more than twenty million people who need that same type of care.

The reason that there are so many uninsured Americans is because they cannot afford insurance coverage due to skyrocketing costs.

However, since most Americans do not think they are sick enough to warrant health insurance coverage until after they get sick, many people do not buy insurance until they absolutely need it.

Impact of uninsured on healthcare costs

Studies show that health care spending for people without insurance is about 30 percent higher than for those with coverage.

Part of that is because some conditions are detected only after treatment would have been too late.

More often, it’s because uninsured patients either postpone or avoid care and then turn to more expensive emergency room services when they do get medical attention.

If you receive health insurance from your employer, you’re less likely to go without coverage.

Yet if your job doesn’t offer health benefits and you can’t afford to buy private plans on your own, chances are high that you’ll end up without coverage—and paying a hefty price tag as a result.

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