Offering health insurance for reduced or zeroed-out premiums only works for those who have the basic reading, writing and arithmetic skills to navigate the system.
Unfortunately, uninsured adults with low incomes comprise the largest segment of society that lacks those basic skills. And being able to work with numbers turns out to be a much greater barrier than illiteracy.
The extent of that problem is outlined in a report by the Health Policy Center of the Urban Institute, with funding from the Robert Wood Johnson Foundation.
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