If you stand next to 2 random Americans under age 65, chances are that one of the three of you will have gone without health coverage for at least 2 months during the last couple of years. That's not counting the underinsured, that's those with zero coverage. A visit to a doctor (not that he would see you without insurance), or a clinic would might make you dip into a credit card, an emergency might max it out, and a hospital stay would bankrupt you. One out of three. 87.7 million.