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From what a friend in the insurance industry said; policy coverage and cost can vary by zipcode. So I assume the demographics of a zipcode determines the cost-risk of insuring an individual. You can figure out the rest as to why health insurance is unaffordable for lower income people.

We have recently tried to help friends with health related issues covered by the Veterans Administration. It is almost impossible to get to speak with someone that will answer the phone, and the complexity of filling out forms is overwhelming for anyone who perfectly healthy. If the patient is in no condition to choose, read or sign a form and there is nobody with power of attorney, than nothing can be done. Although veterans can get a medical card to use any healthcare source there are hurdles that block the way. In the past few months I now realize why many war veterans commit suicide, an uncaring bureaucratic self serving monolith.

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