Eli, by contrast, is not so fortunate. His father was recently laid off from his long-time job, and until he finds a new one that offers benefits, the family is temporarily without health insurance. It is a source of great anxiety to his father. Eli works part time and does not qualify for group insurance through his employer.

Eli’s father considered buying individual insurance directly. But without a special group rate the premiums came out to nearly $2,000 a month, a sum the family could not afford, especially with one person out of work.

As a precaution against risking injury, Eli’s father asked that he give up playing on the football team. He reluctantly agreed. He also asked Eli just to “be extra careful” in general.

Why does Eli not have insurance? Check all that apply.

His family could not pay the premiums.
His family did not qualify for a special rate.
The plans he needed were not offered in his state.
The insurance company rejected Eli and his family.
His father’s financial situation recently had changed.