Malcolm Gladwell, writing in The New Yorker: The Moral-Hazard Myth: The bad idea behind our failed health-care system:
The U. S. health-care system, according to â€œUninsured in America,â€ has created a group of people who increasingly look different from others and suffer in ways that others do not. The leading cause of personal bankruptcy in the United States is unpaid medical bills. Half of the uninsured owe money to hospitals, and a third are being pursued by collection agencies. Children without health insurance are less likely to receive medical attention for serious injuries, for recurrent ear infections, or for asthma. Lung-cancer patients without insurance are less likely to receive surgery, chemotherapy, or radiation treatment. Heart-attack victims without health insurance are less likely to receive angioplasty. People with pneumonia who donâ€™t have health insurance are less likely to receive X rays or consultations. The death rate in any given year for someone without health insurance is twenty-five per cent higher than for someone with insur-ance. Because the uninsured are sicker than the rest of us, they canâ€™t get better jobs, and because they canâ€™t get better jobs they canâ€™t afford health insurance, and because they canâ€™t afford health insurance they get even sicker.