What percentage of families with children with special health care needs report that their insurance is not adequate?

• A. 20%
• B. 40%
• C. 60%
• D. 80%

Answer: (B)

This question looks at how families with children who have special health care needs view the adequacy of their insurance. About 40% of these families report that their coverage is not adequate to meet their child's needs. In practical terms, this means roughly two in five families face gaps such as insufficient coverage for essential services, high out-of-pocket costs, limits on therapies or equipment, or narrow provider networks. This level of inadequacy highlights ongoing access and affordability challenges even when some insurance is present. The other options would imply much smaller or much larger proportions than what is typically observed in surveys, making 40% the best fit.