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About 52-million American adults had no health insurance at all during some point last year. That’s according to a Commonwealth Fund study, which says the number represents a jump from 38-million in 2001. The study also said unemployment, rising treatment costs and unaffordable insurance coverage resulted in four out of ten Americans struggling to pay their medical bills last year. Karen Davis, president of Commonwealth, says the trends will ease with the implementation of the new health law. But the Heritage foundation, a Washington think tank, says changes in the health care system should be less reliant on government and focus more on letting individuals own and control their own health care policies.