If the worst happens, he doesn't want to run the risk of being underinsured.

如果最坏情况发生， 他想冒险风险。

And our health care system, that makes some folks uninsured and other folks underinsured, doesn't prioritize people who need access now and need medications now.

我们医系统使一些人没有险， 而另一些人险，并没有优先考虑现在需要就医和需要药物治人。