A study by the Commonwealth Fund says that 31 million Americans people with health coverage have out-of-pocket costs or deductibles so high that they are considered “underinsured,” making them generally unable to take advantage of their health benefits despite the Affordable Care Act.

Examining about 3,000 adults ages 19 to 64, the fund found 23 percent of to be underinsured. Most were covered by an employer-sponsored plan or a privately purchased plan.

In other words, we have a lot further to go in American health-insurance reform.