Sederia  Steger

A federal agency found most Americans had health insurance at some point in 2025, showing broad coverage overall while leaving a meaningful share uninsured.
About ~8% of Americans went without coverage for the entire year in 2025, marking a persistent gap rather than a one-time disruption.
That uninsured share did not differ significantly from the previous year's level, suggesting national coverage patterns remained largely steady from one year to the next.
The findings showed policy efforts had not closed the coverage gap, even as most Americans still had insurance at some point during 2025.
Overall, the data pointed to a durable national pattern: most Americans were insured, yet the same basic coverage shortfall persisted despite multiple policy efforts.

US Coverage Gap Persisted in 2025

During October 15 to December 7, beneficiaries can switch or adjust Medicare Advantage coverage for 2027, making annual comparisons essential before renewing coverage.
Look beyond $0 premiums by comparing deductibles, copays, coinsurance, and each plan’s out-of-pocket maximum to estimate the true yearly cost of care.
Check every plan’s drug formulary, medication tiers, prior authorization rules, preferred pharmacies, and provider directory so your prescriptions, doctors, specialists, and hospitals stay covered.
Use the federal 5-star scale as one quality check, but for 2027 also look beyond ratings because measure changes could affect scores.
Late-Q3 plan notices can flag cost or coverage changes, and independent brokers or state counseling programs can help compare dental, vision, hearing, and gym benefits.