Individuals without health insurance coverage have a harder time keeping up with their health, as opposed to individuals with insurance coverage. Americans’ without healthcare coverage have a harder time living happier productive lives than those who do have healthcare. Most American’s main reason for not having healthcare insurance is because they cannot afford the skyrocketing premiums. Approximately 47 million American’s are living without health insurance because they do not have extra expendable income at the end of each month. Congress created the Patient Protection and Affordable Care Act in order to increase the number of American citizens covered by health insurance companies and decrease the cost of the rising healthcare system. According to the New York Times health insurance has gone up over the last decade by 15 percent since 2001. Some health insurance companies jack up the cost of healthcare because they dominate the healthcare market within their respective state. This simply provides for an unfair market because it leaves consumers only having to deal with the one Healthcare Insurance Company or not having healthcare insurance. Some insurance companies will only cover part of the doctor’s visit or emergency room visit and still require you to pay a co-pay making it harder to keep your insurance while paying for your regularly monthly expenses. According to the International Federation of Health Plans, the average routine office visit in the U.S. is three-times more expensive than in Canada and the average CT scan is five-times more expensive than in Canada. This allows for some patients not to get proper testing that can prevent or detect disease because they cannot afford them. Another reason Americans go without having healthcare coverage is because of the lack of coverage or no control over their coverage. Some