Uninsured have no seat at table

WASHINGTON —  If the uninsured were a political lobbying group, they’d have more members than AARP. The National Mall couldn’t hold them if they decided to march on Washington.

But going without health insurance is still seen as a personal issue, a misfortune for many and a choice for some. People who lose coverage often struggle alone instead of turning their frustration into political action.

Illegal immigrants rallied in Washington during past immigration debates, but the uninsured linger in the background as Congress struggles with a healthcare overhaul that seems to have the best odds in years of passing.

That isolation could have profound repercussions.

Lawmakers already face tough choices to come up with the hundreds of billions it would cost to guarantee coverage for all. The lack of a vocal constituency won’t help. Congress might decide to cover the uninsured slowly, in stages.

The uninsured “do not provide political benefit for the aid you give them,” said Robert Blendon, a professor of health policy and political analysis at the Harvard School of Public Health. “That’s one of the dilemmas in getting all this money. If I’m in Congress, and I help out farmers, they’ll help me out politically. But if I help out the uninsured, they are not likely to help members of Congress get reelected.”

The number of uninsured has grown to about 50 million people because of the recession. Even so, advocates in the halls of Congress are rarely the uninsured. The most visible are groups that represent people who have insurance, usually union members and older people. In the last election, only 10% of registered voters said they were uninsured.

The grass-roots group Health Care for America Now plans to bring as many as 15,000 people to Washington this year to lobby Congress for guaranteed coverage. Campaign director Richard Kirsch expects most to have health insurance.

“We would never want to organize the uninsured by themselves because Americans see the problem as affordability, and that is the key thing,” he said.

Besides, Kirsch added, the uninsured are too busy scrambling to make ends meet. Many are self-employed; others are holding two or three part-time jobs. “They may not have a lot of time to be activists,” he said.

Vicki and Lyle White of Summerfield, Fla., know about such predicaments. They lost their health insurance because Lyle, 64, had to retire early after a heart attack left him unable to do his job as a custodian at Disney World. Vicki, 60, sells real estate. Her income has plunged because of the housing collapse.

“We didn’t realize that after he had the heart attack no one would want to insure him,” Vicki said.

The Whites have to pay out of pocket for Lyle’s visits to the cardiologist and his medications. The bills came to about $5,000 last year. That put a strain on their budget because they are still making payments on their house and car.

“I never thought when we got to this age that we would be in such a mess,” said Vicki, who has been married to Lyle for 43 years. “We didn’t think we would have a heart attack, and it would change our life forever.”

Though her own health is “pretty good,” Vicki said she suffers chronic sinus infections and hasn’t had a checkup since 2007. “I have just learned to live with it,” she said.

The Whites are one example that shows how the lack of guaranteed healthcare access undermines middle-class families and puts them at risk, but that many of the uninsured eventually do find coverage. Lyle White has qualified for Medicare, but the couple has not found a plan for Vicki.

Research shows that nearly half of those who lose coverage find other health insurance in four months or less. That may be another reason the uninsured have not organized an advocacy group.

“The uninsured are a moving target,” said Cathy Schoen, a vice president of the Commonwealth Fund, a research group that studies the problems of healthcare costs and coverage.

But even if gaps in coverage are only temporary, they can be dangerous. “Whenever you are uninsured, you are at risk,” Schoen said. “People don’t plan very well when they are going to get sick or injured.”

Indeed, the Institute of Medicine, which provides scientific advice to the government, has found that a lack of health insurance increases the chances of bad outcomes for people with common ailments, including diabetes, high blood pressure, cancer and stroke. Uninsured patients don’t get needed follow-up care, skip taking prescription medicines and put off seeking help when they develop new symptoms.

Such evidence strengthens the case for getting everybody covered right away, Schoen said. But she acknowledges the politics may get tough. “It certainly has been a concern out of our history that unorganized voices aren’t heard,” she said.