Community Characteristics Unable to Explain Disparities in Purchase of Individual Insurance by Minorities

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Many uninsured individuals in the United States today do not enjoy the benefits of employer-sponsored insurance because their employers do not offer it. Others are offered a plan, but cannot afford to pay their share of the premiums. Given evidence that people without insurance get less needed care, the uninsured will continue to suffer both economically and physically. Unfortunately, low-income racial and ethnic minorities are particularly disadvantaged because they are disproportionately represented among the uninsured.