The 41 million Americans without health insurance cost the nation between $65 and $130 billion dollars a year. A study by the Institute of Medicine concludes that people without health insurance are less likely to receive preventive care, and when care is provided, it comes with a higher price tag. The medical centers at Virginia Commonwealth University and the University of Virginia provide the majority of comprehensive health care to the state’s uninsured. Arthur Garson (University of Virginia) and Sheldon Retchin (Virginia Commonwealth University) explain how a lack of affordable health insurance can leave people in financial ruin while straining the nation’s health care networks.

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