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March 9, 2004
 The Uninsured and
Rising Health Insurance
Premiums
In recent years,
it has been frequently stated that about 40 million Americans lack
health insurance coverage. That estimate, by itself, presents an
incomplete and potentially misleading picture of the uninsured
population. The uninsured population is constantly changing as
people gain coverage and lose coverage. Furthermore, people vary
greatly in the length of time that they remain uninsured. Some
people are uninsured for long periods of time, but more are
uninsured for shorter periods. In
my testimony today, I will discuss some important characteristics
of the uninsured population
that have received relatively little attention but that have
important implications for
federal policies to expand insurance coverage. I will also discuss
the implications of rising health insurance premiums for insurance
coverage rates and the
potential costs of federal programs to expand coverage.
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