Complex sentence: Before Medicare's creation, approximately 60% of those over 65 had health insurance, with coverage often unavailable or unaffordable to many others, because older adults paid more than three times as much for health insurance as younger people.
Split into simpler sentences: Before Medicare's creation, approximately 60% of those over 65 had health insurance, with coverage often unavailable or unaffordable to many others. This was due to the fact that older adults paid more than three times as much for health insurance as younger people.