Thirty-three percent of Latinos, nineteen percent of African-Americans, eighteen percent of Asians, and fourteen percent of whites are uninsured in America. Disparate health insurance results in disparate access to health care and ultimately disparate health. Competing approaches to health insurance reform are likely to exacerbate existing health care disparities whether these reforms are market-based (such as promoting health savings accounts) or driven by the ideals of universal public insurance unless and until we systemically confront racial and ethnic disparities in underlying economic conditions, insurance claim practices, and patterns of medical practice.

Citation
Dayna Bowen Matthew, The Race Card and Reforming American Health Insurance, 14 Connecticut Insurance Law Journal, 435–444 (2007).