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Among people who don’t have employer-provided health insurance, many do without it altogether because they’re too poor to buy insurance of their own. As a Kaiser Family Foundation report makes clear, though, “large numbers of even fairly well-off people remain uninsured rather than purchase non-group coverage when they are not offered coverage at work.” (The study analyzed data collected between 2000 and 2003.)
Among people who don’t qualify for government-provided insurance and aren’t offered coverage at a job, negligible numbers of those with incomes below the poverty level bought insurance for themselves — much as one would expect, given financial realities.
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