Some 14 million nonelderly people buy health insurance coverage on the individual market because they either do not have access to or do not qualify for a group plan. Forty-five percent are either business owners or self-employed. Another 16 percent work for an employer that doesn’t offer insurance. The others either can’t afford their employer’s coverage, don’t qualify for it or are not working (between jobs, students or early retirees)… [594 word article, November 2010]