Health care has now become one of the leading social and economic problems facing America today. The rising cost of medical and health insurance impacts the livelihoods of all Americans in one way or another. The inability to pay for medical care is no longer a problem that only affects the uninsured, but is now becoming a growing problem for those who also have insurance. Healthcare can now be considered a current concern. One of the problems we face today is the actual amount of affordable health care. Every year, millions of people are left without any reliable source of coverage. Lack of health insurance coverage is most often the result of a combination of factors. These factors include employment status, financial conditions and even health conditions. (Feldman 2012) These three elements can be considered as reasons why coverage may be difficult to obtain. In most states, insurers can deny coverage to applicants altogether. They often attempt to impose a permanent or temporary existing condition that limits your coverage. some may even charge a higher premium based on your health, occupation, and other personal characteristics. (Institut 2009) For people who consider themselves self-employed and want to take out their own private health insurance, it can cost twice as much as that offered by employers. (Feldman 2012) Health insurance is essential to personal well-being and your health. For a large portion of the uninsured, health insurance can be, more often than not, a matter of choice. Uninsured Americans generally tend to delay and even skip doctor visits, prescription drugs and other effective treatments, even if they know they have a serious or life-threatening illness. (Institute 2009). 20 to 30 percent of uninsured children are more likely to need certain vaccines, prescription medications, asthma care, basic dental care and other things we consider essential. Uninsured children whose conditions require ongoing medical care are 6 to 8 times more likely to have health care needs and be unable to get the tools and medications they need. Uninsured children are also more likely than insured children to miss school due to health problems and to experience avoidable hospitalizations. (Institute 2009) Many of these children are classified as minorities out of 20 to 30 percent of children, of whom approximately 15 percent are minorities (H.