Thirty-two million people under age 65 were underinsured in the U.S. in 2012, meaning they had health coverage that provided inadequate protection against high health care costs relative to their income, a Commonwealth Fund report revealed.

Before the major expansions of the Affordable Care Act began to be implemented this year, 79 million people under 65 were classified as either uninsured or underinsured, and at risk of facing large debts from medical bills.

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