21.   Others are self-employed and either cannot afford insurance or also chose to not pay for it, crossing their fingers and praying against calamity instead.

22.   She had too much income to qualify for Medicaid, yet not enough to afford insurance for prescription drugs.

23.   Six months ago, his mother joined Oxford Health Plans when her husband, who owns a small business, decided he could no longer afford traditional insurance.

24.   Sometimes the problem is not that people cannot afford insurance, but that no insurer will cover them because of existing medical conditions.

25.   The bill will help women who have too much income to qualify for Medicaid, but not enough to afford private insurance.

26.   The program provides health insurance for children from working families with incomes too high to qualify for Medicaid but too low to afford private insurance.

27.   The woman, who was not identified, said she had told the agent that she could not afford more insurance.

28.   They earn too much to qualify for Medicaid but are too stretched financially to afford private insurance.

29.   While all age and income groups have been affected, the main victims are children in families whose earnings are above the poverty line but cannot afford private insurance.

30.   Few businesses could afford flood insurance and few expect large handouts from the federal government, leaving many on the verge of closing their doors for good.