I'm unconvinced by the mortality data in here, at least as it relates to the present day, but there's no doubt that a primary role of programs like Medicare is to simply insulate individuals from financial ruin. Indeed, I've never thought the health benefits are the most important reason to extend coverage to the uninsured -- though there will be health benefits, and they are important. In any large population, particularly one that trends young, as the uninsured do, only a small number in any given year will see real health improvement from easier access to care. But the economic security and freedom offered by medical coverage will aid every member of the community, freeing them to search for better jobs and see doctors without anxiety and treat nagging-but-not-mortal conditions that harmed their quality of life.
That said, for the small number who do need the care and currently forego it, insurance is crucial, and its absence is catastrophic. Indeed, I don't even know what to say about this...
