Some of the people who are least likely to have insurance are those who "retire early" aka lose their job in their 50s or early 60s and are unable to find a rep

Some of the people who are least likely to have insurance are those who "retire early" aka lose their job in their 50s or early 60s and are unable to find a replacement job with similar benefits and pay. Other people in blu collar jobs can no longer keep up with the physical demands of their profession once they hit mid 50s. Sometimes they have enough saved to scrape by until they can collect social security, which they unfortunately often do at 62 and forgo 30% of their monthly income permanently. Medical coverage is a huge problem for these people. Fortunately Obamacare makes it so they can now buy coverage at this age (before they would be rejected for likely pre-existing conditions), but any plan with reasonable premiums has a huge deductible (up to $10,000) that needs to be exceeded before insurance kicks in. For many people they would rather do without insurance that doesn't cover anything that is not catastrophic and save on the premiums.