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Number of Uninsured Americans Declines But Remains High, Business and Industry Trends Analysis

In 2021, the number of uninsured dropped to 8.3% (27.2 million) and for 2022, the number dropped again to 7.9% (25.9 million).  It is worthwhile to note that the official survey of the uninsured attempts to include all people residing in the United States, regardless of whether they are in America legally. 
In addition to the number of people with no insurance at all, the number of underinsured Americans remains a massive problem.  In many cases, consumers can only afford health plans that have very high deductibles.  These deductibles often run from $1,000 to $5,000 yearly, and most types of care must be paid for out of the consumer’s pocket before the insurer begins to pay.  Many consumers simply do not have sufficient cash on hand to deal with this burden.
The Affordable Care Act was designed to force individuals who are uninsured to purchase coverage or pay a penalty, force larger employers to provide coverage or pay a penalty, greatly increase the number of people who qualify for coverage under Medicaid, provide subsidies for coverage to small employers and provide substantial subsidies to lower income families.  Under the Trump administration, penalties for people who do not purchase insurance were eliminated.

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