People buy insurance to protect themselves against the possibility of financial loss in the future. Individuals and families without health coverage are more likely than those with coverage to forgo needed health care, which often leads to worse health outcomes and the need for expensive medical treatment. Since uninsured persons are more likely to be poorer than insured persons, the uninsured are less able to afford the health care they need. This book presents important materials on health insurance reform, as well as relevant laws, high risk pools, coverage for seniors, the uninsured and the roles of the government and industry in the health insurance puzzle.