There are many individuals and families in America today who do not have any form of health insurance. The numbers are in the millions. Some of these people are self-employed; some do not work at all due to poor health or plain old bad luck. Some work for a type of business that does not offer benefits such as health insurance to its employees. Whatever the reason, these people do not have the benefit of regular health care, simply because they do not have the money to pay the insurance premiums.