I don't know how they arrived at their 45 million people without insurance figure, but I suspect they are including Medicaid figures. My sister is on Medicaid, and technically each month she has no insurance until her card arrives in the mail. I suspect they are using technicalities like this to inflate their numbers. If I recall a recent report held the number of truly uninsured at under 20 million.
Medicare and Medicaid are notorious for paying less than the true cost of service, and then retroactively changing the rules and refusing to pay for past services because they had not been processed using the new retroactive rules. These losses do get passed on as higher charges to paying and insured customers. I think this is what they are actually referring to but did not want to actually come out and say.
"Medicare and Medicaid are notorious for paying less than the true cost of service"
These two LBJ social programs are the reason for our health insurance mess. Insurance companies base what they pay on what Medicare/Medicaid will reimburse and the doctors, hospitals, et al. have to eat the rest. Thanks, Great Society!