Reviewers -- Foreword -- Preface -- Acknowledgments -- Contents -- List of Boxes, Figures, and Tables -- Summary -- 1 Introduction -- 2 Caught in a Downward Spiral -- 3 Coverage Matters -- 4 Communities at Risk -- 5 Summary of Findings and Recommendation -- Appendix A: Executive Summary of the 2004 IOM Report "Insuring America's Health: Principles and Recommendations" -- Appendix B: Statistics on the Nonelderly U.S. Population Without Health Insurance, 2007 -- Appendix C: State Regulations Promoting Access to Individual Health Insurance Policies, 2007 -- Appendix D: Recent Studies of the Impacts of Health Insurance for Children: Summary Tables -- Appendix E: Recent Studies of the Impacts of Health Insurance for Adults: Summary Table -- Appendix F: Committee Biographies.