An underinsured individual is defined as someone who does not earn enough to afford the cost of health insurance premiums.

Name: An underinsured individual is defined as someone who does not earn enough to afford the cost of health insurance premiums.
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An underinsured individual is someone who has health insurance but still faces high out-of-pocket costs or has coverage limitations that prevent them from accessing the healthcare they need. It is not based on income level or affordability of premiums.

An Underinsured Individual Is Defined as Someone Who Does Not