The underinsured state is one in which people have some type of health insurance, but they don’t have enough financial coverage required to cover their medical expenses without using their income. Their medical expenses will be greater than 10 percent of their annual income, and /or their health plan deductibles equal to or is greater than five percent of their annual income (Nunley & Washington Health Policy Fellows, 2008). There are many social factors related to the situation of the uninsured status. The main reason for the uninsured status is low-income due to unemployment. Even when people have employment, they may not have the privilege of medical benefit from their employers. Sometimes the people are just unable to afford the expenses