For the less-than-well-off, there are only two kinds of coverage: the kind where you can't afford the premium, and the kind where you can't afford the deductible. Frankly, I don't get the American fear of single-payer universal coverage for basic health care. The free market is a good thing when the market is free; when payment is extorted at the price of your life, that ain't a free market. (Looking abroad for counter-arguments? Underfunded health systems elsewhere stem from two things -- the reluctance of taxpayers to pay for that which would only cost them more in a privately-funded system, and the ridiculous profit to be made in the US, which drives the price of equipment and "labour". Voters who, when faced with a choice between tax cuts and adequately funded infrastructure, choose tax cuts deserve what they get.)