Self employed individuals and small business owners are separated from those employed by companies due to their lack of employer provided access to a company sponsored health insurance plan. Many people, as a result of job loss or the recession, are now looking for individual health insurance for perhaps the first time in their adult life and it can be a daunting task.
Many people go without health insurance just because it is such an exasperating experience. Some eventually find health insurance after extensive research though most relate the policy premiums are more expensive than they expected. Others, who are in good health, bet on remaining that way and forego health insurance or get catastrophic coverage policies with lower premiums and higher deductibles. Some may be lucky enough to have a well insured partner.