Health insurance like any insurance such as home, or auto insurance should be a personal policy not job related. Insurance by traditional definition is a sharing of risk. Uninsured Americans should be grouped as to insurable but uninsured , higher risk, and poor. The uninsured would be offered a pool by all insurance companies offering health insurance in the designated area as a last resort with premiums averaging those of offered by insurance companies in the state or bi state region. Higher risk would be pool insured also at a 10% higher premium. Poor or unemployed would be insured in a pool of the same insurance companies at heavily discounted premiums say 10% depending on assets.