Many families on low incomes have experienced a crisis caused by the recession and increased costs in health programs. According to a study done by the Commonwealth Fund in 2007, 97% of American families earned more than $ 60,000 a year indicated that they provided health insurance to help protect them from unexpected emergencies. Shockingly, those in lower income category showed that 53% of them had no insurance or had a lapse in their health coverage experienced in previous years. Not that cheap health insurance programs for individuals or groups can have devastating effects on the lives of America's. Those who do not carry health are 5 times more likely to try to avoid seeing a doctor for either emergency physical care or preventive care due to rising costs of these visits. The Institute of Medicine showed that more than 19,000 deaths occurred in 2008 from 100% to prevent diseases. For those who do not carry low-cost health insurance programs, the average cost of an emergency room visit averages around $ 3300. And this is what those who do not opt for health coverage in emergency situations. This shows that having coverage can actually shield Americans in times of disaster. It is estimated that over one third of the families who do not carry health coverage reported that they have a very difficult time paying their medical bills and they have to change their lifestyle to their monthly payments. Cheap health insurance programs are available for every American, but the uninsured say they can not afford. It is only because they have not been presented with plans that are suitable for their income needs.
