For that purpose those who are partially insured are statistically considered insured.
That indeed is the problem in USA. One hears from time to time stories of middle class families having to declare bankruptcy because of unforeseen medical costs, because they were not adequately insured.
I think any health care reform must force all the citizens to enroll in some insurance plan. Because even those earning more than 75,000 $ per year that don’t have insurance (as claimed by ironsides), if they fall ill, have an accident and need emergency treatment, the taxpayer will be on the hook for that.
Anybody who does not enroll in a health insurance plan should have to pay a tax equal to the cost of the premiums.
So to let them off the hook because they can afford health instance, not to count them among the uninsured is nonsense. Any non insured person is a potential risk to the taxpayer. If that uninsured person has an accident, is admitted to the hospital and incurs 100,000 $ in medical bills, government has to pay for it, since the person has no insurance.
Anyway, personally I don’t think health care reform is happening, the votes just are not there. So the whole discussion is moot anyway.