Abstract
Some critics of current efforts to reform the American health care system claim that every American already has a catastrophic health insurance policy: the emergency room of the nearest hospital. With universal coverage thus in place, they ask, “What health care crisis”1?The papers by Stoddard et al. and the Medicaid Access Study Group, in this issue of the Journal, should give these critics pause2,3. The investigators demonstrate that the lack of medical insurance is a barrier to health care, even for relatively serious medical conditions. In an earlier study, Franks et al. showed that, all else . . .

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