Health coverage should be available to everyone. It isn’t. Health coverage should be affordable for all, both to buy and to use. It isn’t. Health coverage should be administratively simple to get. It isn’t. It is because health coverage is not available, affordable, or automatic that so many Californians find themselves uninsured, and millions more are concerned that coverage won’t be there for them when they need it. Health reforms can go a long way to removing these barriers that are in place for each of the three ways that Californians get coverage: through employers, public programs, and the individual market.