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The paper examines the issue of underinsurance. It discusses how the concept can be measured and employs the measure in assessing the number of underinsured in the State of Nebraska. The paper examines the social and economic characteristics of the uninsured, both an at-risk group defined by low income and a group with higher income, and compares each to a corresponding set who are not underinsured. The paper reports a multivariate analysis of factors related to underinsurance and compares the above categories with respect to health status and access to health care.