Of working-age U.S. residents who sought individual health coverage in the last three years, 89% were rejected for medical reasons or felt that the available plans were unaffordable[Source]
The problem is deeper than just cost. Quality of services is impacted when you don’t have insurance. When you say "cash pay" at a doctor’s office they sneer at you, make you wait longer, then let the interns experiment and get their experience on you while the insured go straight to doctors with less wait. Being uninsured isn’t just a financial problem, it is in iteself a health problem. The stigma of being uninsured is daunting despite 42.6 million American people (10million being children) being uninsured [Source – US Census Bureau] and those figures are 1998-99.