Last week I reported on a fascinating new Wharton School study of non-poor uninsured people [1]. Another revealing finding from that same study highlights a dilemma facing any would-be health reformer: even before Obamacare, less than one quarter of health costs for uninsured persons were paid for out of pocket, regardless of family income . Think about that. Third parties already covered more than three quarters of health spending for the average uninsured family–even those with incomes above 400% of poverty. In the jargon of Obamacare, uninsured people essentially already had coverage equivalent to an actuarial value (AV) of 75%! In contrast, a Bronze plan under Obamacare has an AV of 60%, while Silver plans have an AV of only 70%.