Health coverage rates in the U.S. have reached a record high since the Affordable Care Act was enacted, yet many insured individuals still struggle with high healthcare costs, particularly among marginalized racial and ethnic groups. Surveys indicate that a significant portion of insured adults find it difficult to afford care and many may be considered underinsured. In response to these challenges, states like Washington, Nevada, and Colorado are exploring public options for health coverage, with efforts to share insights on effective legislation to improve healthcare access.