in the 46 million number that keeps getting quoted, at least 10 million are illegals. even families that make $75,000 per year are included in that number. that number also includes people on medicaid and a very large number of kids who are already eligible for schip and other gov programs but just aren't enrolled.
i think that very few people can't 'afford' insurance. what's really going on with most of the uninsured is that they choose not to do without luxuries (yes, cable, ipods, video game are luxuries) and then complain they can't afford health care insurance or to pay out of pocket for health care.
i'm not saying health care is cheap, or insurance is cheap, but if you lived in a bit less expensive home/apt, quite buying ipods, big screen tvs, cable/satellite service, internet (unless you are self employed & work from home), hundreds of dollars of video game equipment and games, cd collections, dinners out etc etc... it could be purchased.