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Individual Insurance Market Too Costly for Most: More than a quarter of working-age U.S. adults””or about 48 million people””lacked health insurance at some point in 2011, according to a new study from the nonprofit Commonwealth Fund. The study polled people aged 19 to 64. Of those without insurance, 70 percent had spent a year or more without coverage, and 57 percent had been uninsured for two years or more.