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Health insurance is a source of confusion, frustration and stress for many Americans. While the federal and state governments have taken measures to improve the health insurance system, many Americans still groan at the complexities and shortcomings that leave some 15% of adults ages 19-34 uninsured, and both uninsured and insured people say insurance is too expensive. Reforms to the nation's healthcare system are also insufficient for many. About 11% of uninsured people had income below the poverty level but were ineligible for Medicaid because their state did not expand the program. Even reforms to the health insurance system are not reaching most of those who still lack insurance.