Here's another clip from Rep. Jan Schakowsky's health care town hall meeting in Niles last night.  As you'll see, an audience member asks her to explain the difference between health care and health care coverage. Schakowsky's answer is on point, as she tells two stories that illustrate how Americans can be covered by a private insurer, but still be locked out of receiving affordable care. Watch:

The New York Times editorial board recently highlighted the issue of the underinsured (such as the farmer Schakowsky cites):

The Commonwealth Fund estimates that 25 million Americans who had health insurance in 2007 had woefully inadequate policies with high deductibles and restrictions that stuck them with large amounts of uncovered expenses. Many postponed needed treatments or went into debt to pay medical bills.

And to learn more about rescission -- the reprehensible insurer practice described in Schakowsky's second anecdote -- check out this post from July.