What Are Some Reasons People Do Not Have Health Insurance?

Reasons Why People Don't Have Health Insurance in San Diego, CA

Close to 46 million Americans do not have health insurance, which can make it difficult to receive the necessary care and medical attention in emergencies or on a routine basis. Oftentimes, this can lead to serious illness or even death if someone does not maintain health or receive check-ups. The insurance experts at Tri-Star Insurance San Diego want to share a few reasons why you might not be able to get health insurance.

Low Income

The main reason most people do not have health insurance is simply because they cannot afford it. For those who are living paycheck to paycheck or have multiple dependents, it may be nearly impossible to afford the extra cost of health insurance each month. If someone does not have any serious medical conditions or illnesses, he or she may not feel it is worth the cost. However, there are options for cheap health insurance in San Diego.


Some Americans are between jobs or have been unemployed for a significant amount of time, which can be the cause of not having health insurance. Most people receive health insurance through their employer, but being unemployed can make it difficult to afford insurance. Others may be self-employed and cannot find a good, affordable policy.

Change in Marital Status

A divorce can be another reason someone is not insured if the coverage the person once received was through his or her spouse’s employer. This can be especially problematic if the person is also unemployed. A death of a parent who was the policyholder can also be the cause.

End to Medicaid Benefits

For approximately 12 percent of Americans who do not have health insurance, the cause is due to discontinued Medicaid. Retired seniors often have a difficult time paying for insurance. Other people may be able to afford the insurance, but don’t want to pay for it themselves or never signed up for a new policy after they were on Medicaid.

American Tri-Star has great health insurance options, but that’s not all we offer. If you have questions about motorcycle, homeowners, or bond insurance, call one of our reliable agents at 619-272-2100, or you can get online auto insurance quotes San Diego customers will be pleased about.