According to the u. s. census bureau, 85% of americans have health insurance. which generalization might best account for why approximately 15% of the population is without health insurance? a) lower-income families may be unable to afford private health insurance. b) older americans usualy decide they do not need or want health insurance. c) high-income families use most of the funds reserved for public health insurance programs. d) a greater percentage of the population in the northeast are less likely to need insurance.