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Key Facts About the Uninsured Population

Recent data from KFF shows that health coverage levels in the United States remained relatively stable in 2023, even as pandemic-era policies began to phase out. Among individuals ages 0 to 64, 25.3 million were uninsured, representing a 9.5% uninsured rate. Both figures remained largely unchanged from 2022 and reflect historically low levels compared to pre-pandemic years.

Coverage gains achieved during the pandemic continued to influence these outcomes. Policies such as Medicaid continuous enrollment and enhanced Marketplace subsidies helped maintain coverage levels, even as states resumed Medicaid disenrollments in April 2023. Compared with 2019, the number of people without insurance declined by 3.6 million.

However, trends varied across populations. The number of uninsured children increased from 3.8 million in 2022 to 4.0 million in 2023. At the same time, the uninsured rate among adults ages 19 to 64 declined slightly to 11.1%.

Most individuals without insurance are from low-income working families. In many cases, at least one household member is employed, yet coverage gaps remain. Adults are more likely to be uninsured than children, reflecting differences in public coverage availability. In addition, disparities in coverage persist across racial and ethnic groups despite overall gains in recent years.

Cost remains a primary factor in the lack of coverage. In 2023, 63% of adults without insurance reported that insurance was too expensive. Limited access to employer-sponsored coverage also contributes to uninsured rates. Additionally, some individuals, particularly those in states that have not expanded Medicaid, remain ineligible for financial assistance.

Although many uninsured individuals may qualify for Medicaid or subsidized Marketplace plans, enrollment barriers remain. These include lack of awareness, administrative challenges, and affordability concerns, even with financial assistance.

Lack of coverage continues to affect access to care. Uninsured individuals are less likely to seek medical services and more likely to delay or forgo care due to cost.

Financial challenges are also more common among the uninsured. Nearly half (49%) report difficulty affording health care costs. In addition, 62% report carrying medical debt, compared to 44% of insured individuals. These financial pressures are often linked to limited income and a lack of savings.

For additional data and a deeper breakdown of coverage trends, demographics, and access to care, view the full KFF report here: https://www.kff.org/uninsured/key-facts-about-the-uninsured-population/

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2026 Atlantic Hurricane Season Forecast Calls for Somewhat Below Average Activity

Colorado State University’s Department of Atmospheric Science has released its 2026 Atlantic hurricane season forecast, projecting a somewhat below-average season. The Atlantic hurricane season runs from June 1 through Nov. 30.

The forecast, led by senior research scientist Phil Klotzbach, Ph.D., estimates 13 named storms, six hurricanes, and two major hurricanes for 2026. In comparison, a typical Atlantic season produces 14 named storms, seven hurricanes, and three major hurricanes.

Key Factors Behind the Forecast

Researchers point to expected climate conditions as a primary driver of the forecast. According to Klotzbach, a moderate to strong El Niño is anticipated during the peak of the season. El Niño typically reduces Atlantic hurricane activity by increasing vertical wind shear.

In addition, water temperatures in the tropical Atlantic are currently near average. As a result, researchers do not expect ocean temperatures to contribute as strongly to hurricane development as they did in recent years, when temperatures were significantly above average.

Review of the 2025 Hurricane Season

The 2025 Atlantic hurricane season was classified as above normal based on the number of major hurricanes and Accumulated Cyclone Energy. The season included 13 named storms, five hurricanes, and four major hurricanes. Major hurricanes are defined as Category 3, 4, or 5 storms on the Saffir-Simpson Hurricane Wind Scale.

Only one storm made landfall in the United States in 2025. Tropical Storm Chantal struck the South Carolina coast on July 6.

Hurricane Melissa was the most significant storm of the season. It made landfall in Jamaica as a Category 5 hurricane, caused nearly $9 billion in damage, and resulted in 95 fatalities across the Caribbean.

Landfall Probabilities for 2026

CSU’s forecast also outlines the probability of major hurricanes making landfall in 2026:

32% for the entire U.S. coastline, compared to a historical average of 43% from 1880 to 2020
15% for the U.S. East Coast, including the Florida peninsula, compared to a historical average of 21%
20% for the Gulf Coast from the Florida panhandle to Brownsville, Texas, compared to a historical average of 27%
35% for the Caribbean, compared to a historical average of 47%

Preparedness Remains Important

Although the forecast calls for below-average activity, experts emphasize the importance of preparation. Sean Kevelighan, CEO of the Insurance Information Institute, noted that even one storm can have a significant impact.

He advised homeowners and business owners to review their insurance policies with a professional to ensure they have appropriate coverage for both wind and water damage. Flood coverage is not included in standard homeowners, renters, condo, or business insurance policies, so policyholders may need to purchase it separately.

Flood insurance is available through FEMA’s National Flood Insurance Program and private insurers.

Strengthening Property and Financial Protection

Homeowners can take steps to improve property resilience. Installing roof tie-downs, effective drainage systems, wind-rated garage doors, and storm shutters can help reduce damage from high winds and heavy rain. These upgrades may also lead to savings on insurance premiums.

For vehicle protection, damage caused by wind or flooding is covered under the optional comprehensive portion of an auto insurance policy. Approximately 75% of U.S. drivers carry comprehensive coverage.

About the Insurance Information Institute (Triple-I) Since 1960, the Insurance Information Institute (Triple-I) has been the trusted voice of risk and insurance, delivering unique, data-driven insights to educate, elevate, and connect consumers, industry professionals, policymakers, and the media. An affiliate of The Institutes, Triple-I represents a diverse membership accounting for nearly 50% of all U.S. property/casualty premiums written. Our members include mutual and stock companies, personal and commercial lines, primary insurers and reinsurers – serving regional, national and global markets. Brokers, agents, consultants, educators, and other insurance industry professionals are among Triple-I’s associate members. About The Institutes The Institutes is a not-for-profit comprised of diverse affiliates that educate, elevate, and connect people in the essential disciplines of risk management and insurance. Through products and services offered by The Institutes’ 20 affiliated business units and backed by more than 115 years of experience as a trusted knowledge partner, we empower people and organizations to help those in need, focusing on understanding, predicting, and preventing losses to create a more resilient world. Get the latest insurance market updates and discover exclusive program opportunities at ProgramBusiness.com.

Trinity Underwriting Managers Appoints Tisha Baptist and Sara Rodriguez to underwriting leadership roles

Trinity Underwriting Managers (TUMI), an Amwins Underwriting MGA focused on niche and hard-to-place transportation risks, today announced that Tisha Baptist and Sara Rodriguez, two of its expert underwriters, are stepping into new roles.

Tisha Baptist joined TUMI in 2023, supporting both the towing and sand + gravel programs as a renewal underwriter. In her new role, she will exclusively focus on towing, leading the underwriting efforts for TUMI’s 17-year-old program – one of the longest-standing in the industry. Prior to joining TUMI, Baptist spent 13 years underwriting large fleet accounts at AIG.

Sara Rodriguez has been with TUMI since 2018, starting as a technical assistant and working her way up to her new position as senior underwriter. In her new role, she will lead the underwriting efforts for TUMI’s 15-year-old intermodal program, also one of the longest-standing in the industry. Rodriguez recently completed her CPCU and TRS designations, further demonstrating her commitment to underwriting excellence. “We are so fortunate to have Tisha and Sara on our team,” said Stephen Standing, EVP, TUMI. “Not only are they excellent underwriters; they are excellent at taking care of their clients. Our towing and intermodal programs are now especially poised for growth.” TUMI’s towing and intermodal programs, along with its full specialty transportation portfolio, are written on A+XV paper, providing added stability in a tough trucking market. Get the latest insurance market updates and discover exclusive program opportunities at ProgramBusiness.com.

Assembly Bill 2305 Advances to Senate After Unanimous Assembly Approval

On April 6, 2026, the California State Assembly passed Assembly Bill 2305 with a bipartisan vote of 68-0. The bill, authored by Assemblymember Ash Kalra, now moves to the Senate for consideration. The legislation focuses on limiting the role of corporate investors in legal decision-making and reinforcing the independence of attorneys and their clients.

Bill Seeks to Limit Corporate Influence in Legal Practice

Assembly Bill 2305 prohibits private equity firms, hedge funds, and other corporate investors from directing or influencing the practice of law. Specifically, the bill ensures that decisions related to litigation, including case strategy, resolution, and representation, remain under the control of licensed attorneys and their clients.

Assemblymember Kalra stated that the bill addresses emerging gaps in oversight. He explained that the measure aims to protect the independence of the legal profession and preserve the integrity of the justice system. He also noted that the legislation reinforces California’s role in setting standards for limiting investor involvement in legal matters.

Background on Industry Changes and Loopholes

Historically, ethics rules have restricted non-lawyer ownership in law firms. As a result, the legal industry has largely avoided private equity investment. However, newer business models have created alternative pathways for investor involvement.

For example, management-service organizations and alternative business structures have structured their relationships with law firms in ways that classify investments as loans. These arrangements allow investors to participate indirectly in legal operations. As a result, concerns have emerged that financial interests could influence litigation decisions, including whether to file a case, how to resolve it, or what strategy to pursue.

AB 2305 addresses these concerns by establishing a blanket prohibition on investor influence over legal practice.

Support From Consumer Attorneys of California

The Consumer Attorneys of California sponsored the bill. Doug Saeltzer, the organization’s president, stated that the Assembly’s vote reflects a commitment to accountability within the legal profession. He added that the legislation represents a step toward strengthening protections for Californians and providing enforcement tools against misconduct.

Saeltzer also emphasized that the organization supports applying consistent standards across institutions, including within the legal field. He acknowledged Assemblymember Kalra’s leadership and confirmed continued efforts to advance the bill through the legislative process.

Legislative Details and Next Steps

Assembly Bill 2305 is coauthored by Assemblymembers Stefani and Zbur. Following its passage in the Assembly, the bill will proceed to the California State Senate for further review.

About Assemblymember Ash Kalra

Assemblymember Ash Kalra represents California’s 25th Assembly District, which includes most of San José and parts of southeast Santa Clara County. First elected in 2016, he became the first Indian American to serve in the California Legislature. He was re-elected to his fifth term in 2024.

Kalra currently serves as Chair of the Committee on Judiciary. He also holds positions on the Housing and Community Development, Labor and Employment, Natural Resources, and Utilities and Energy committees.

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