Health care has now become one of the major social and economic problems facing America today. The rising cost of medical and health insurance impacts the livelihoods of all Americans in one way or another. The inability to pay for medical care is no longer a problem that affects only the uninsured, but is becoming an increasingly serious problem for those who have insurance as well. Healthcare can now be seen as a current concern. One issue we face today is the actual amount of affordable healthcare. Every year, millions of people are left without any reliable source of coverage. Lack of health insurance coverage is often the result of a combination of things. These factors include employment status, financial conditions, and even health problems. (Feldman 2012). These three factors can be seen as reasons why it can be difficult to obtain coverage. In most states, insurers can deny coverage to applicants entirely. They often seek to impose a permanent or temporary existing condition that limits coverage. some may even charge a higher premium based on health status, profession and other personal characteristics. (Institute 2009). For those who consider themselves self-employed and want to purchase their own private health insurance, it can be twice as expensive as that offered by employers. (Feldman 2012) Health insurance is essential for personal well-being and health. For most uninsured people, health insurance can, and often does, be a matter of choice. Uninsured Americans typically tend to delay and even forgo doctor visits, prescribed medications and other effective treatments, even if they know they have a serious or life-threatening condition. (Institute 2009). Twenty to 30 percent of uninsured children are more likely to need certain shots, prescription drugs, asthma treatment, basic dental care and other things we would consider essentials. Uninsured children with conditions that require ongoing medical care are 6 to 8 times more likely to need health care and be unable to get the tools and medicines they need. Compared to insured children, uninsured children are also more likely to miss school due to health problems and experience preventable hospital admissions. (Institute 2009) Many of these children are classified as minorities, out of 20 to 30% of children, approximately 15% are minorities (H.