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Are you really covered? Why 4 in 10 Americans can't depend on their health insurance.

Consumer Reports

| September 01, 2007 | COPYRIGHT 2007 Consumers Union of the United States, Inc. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan.  All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information)Copyright

You might think you don't have to worry about paying for medical care if you have health insurance. But you would be wrong.

From escalating medical debt to postAponed retirement, our exclusive national survey of working-age adults shows the depth of jitters even for those lucky enough to have insurance through their jobs or families:

ILLUSTRATION OMITTED]

* 29 percent of people who had health insurance were "underinsured," with coverage so meager they often postAponed medical care because of costs.

* 49 percent overall, and 43 percent of people with insurance, said they were "somewhat" to "completely" unprepared to cope with a costly ...

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