There's no getting around the fact that the number of uninsured and underinsured patients raises the costs of healthcare. In 2005, one-third of all businesses did not offer their employees health coverage, according to the National Coalition of Healthcare, and many people who are offered insurance can't pay the premiums or afford the deductibles. And that doesn't even account for the millions of homeless people and the large population of undocumented illegal immigrants in the United States.