I'm an insurance geek, and have been for years. My family has learned to not involve me in the planning of family events, because I enjoy predicting exactly what will go wrong. I call it risk management; they call it irritating.

In the pie charts of projected PPACA coverage, one slice really bothers me. I have always wondered who the people are in the "Still No Insurance" slice. What would push someone to not have insurance?

Fresh data came out Sept. 30 from Gallup that helps to answer the question. Gallup surveyed more than 5,000 uninsured Americans of various types, and asked whether they plan to get insurance or pay the PPACA fine for not doing so.  Sixty-five percent said they would get health insurance, 25 percent said they wouldn't.

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