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Nearly 45,000 people die each year because they don't have health insurance that would give them access to good health care, according to Harvard researchers. That's one person every 12 minutes. Uninsured adults younger than 64 have a 40 percent higher risk of dying than those with coverage. A co-author of the study says that more Americans die because of inaction than drunk driving and murder combined, because the uninsured are more likely to die from complications from preventable diseases like diabetes and heart disease.