are you overinsured?

i think that i, personally, am just about insured enough-- except for the part where it's very precarious, and i could easily lose my insurance.

Health Plan to Revive Debate - Los Angeles Times

Most conservatives -- including those in the administration -- believe that the root cause of most problems with the nation's healthcare system is that most Americans are over-insured.

They argue that insurance keeps people from feeling the sting of prices and therefore from being wise consumers. Hence, conservatives' interest in making individuals take more risk and bear more responsibility for healthcare, retirement savings and other social safety nets.

But a wide array of polls reveal that, if anything, people feel underinsured, and have little interest in adding to the financial risks they face.

'The average American isn't interested in having more of his or her skin in the game,' said Robert D. Reischauer, president of the Urban Institute, a centrist Washington think tank. 'They already think they are paying plenty for healthcare and bearing enough of the risk as it is.'