Health Insurance The number of uninsured nonelderly Americans in 2014 was 32 million.* Since the inauguration of the Affordable Healthcare Act, citizens are required to have some form of health care to protect them in case of an illness or injury. Health insurance may be available through state governments, employers, or private providers. Health insurance plans vary depending on what’s covered and how much the insurance provider will pay for an event and how much the policyholder will pay.Most policies include aspects like deductibles, co-insurance, co-payments and premiums. There are a variety of plans depending on your budget and coverage needs. Health insurance providers take into account age and health history of an applicant when deciding on the cost of their health insurance.*“Key Facts About the Uninsured Population.” The Henry J. Kaiser Family Foundation. October 2015.