patients. Uninsured trauma patients are also far less likely to be admitted to a rehabilitation facility (long-term care for those who are not ready to go home but are not sick enough to need full hospitalization). In addition, the uninsured tend to be less medically literate than their insured counterparts are. This leads to communication issues with the doctors. It also makes it less likely for them to request specific treatment for symptoms and problems with their care. All of this is just more in the mountain of evidence for universal coverage for all citizens. It is clear from the data in this study and others that insurance is not something you should choose to purchase, it is something which is required for any kind of reasonable life in a modern nation. There is no time in your life where you are "safe" from needing insurance. While many diseases develop midlife there is nothing to prevent early onset from happing. There is no way to know when you will be hit by a truck or fall off your bike or be the victim of violent crime and require hundreds of thousands of dollars of care to become healthy (if you ever do get back to where you were). Asking anyone to evaluate these risks compared to cost is insane, especially for Americans. We are not the best people at evaluating risk. We are by nature an optimistic people and so when comparing cost of something we might need with the