"Underinsured" is not remotely uninsured.  It's also a vague term.  In the case of this report, it means that 25 million Americans "had inadequate health insurance to cover their medical expenses".  In other words, 25 million Americans no longer have insurance that pays for all their medical costs.  I have no doubt that I will soon be added to this metric, since I will be switching to a health savings account soon.  By my own will, BTW.  My prior health insurance falls under the 'cadillac plan' tax in Obama's health care law, so the company can't afford the costs anymore.  This past year, the average plan value was just under $16K per employee.  Thanks for that promise that I wouldn't have to change plans if I liked mine, Obama!