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

如果最坏的情， 他不想冒险不足的风险。

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.

我们的医疗健系统使一些人有险， 而另一些人险不足，并有优先考虑现在需要就医和需要药物治疗的人。