If a person loses a job, changes jobs, or gets sick, there is no guarantee of health coverage. The current insurance system does not provide true security.
Insurers focus on risk selection rather than pooling groups of people.
Almost 40 percent of insurers exclude pre-existing conditions from their coverage of newly insured people. Insurers also price by the experience of the group. The number of people who are uninsured is high and rising. Three-quarters of the uninsured are in working families. C. Fear of losing coverage causes people to keep jobs they would like to leave or to stay on welfare.