Analyzes annual medical expenditures for childhood (conception through age 18 years). A decline in the relative share of children's medical expenditures means that their health care will become more affordable compared to other groups. The least budget impact will result from expanding insurance coverage for 3- to 12-year-old children. (SLD)

Discusses nonfinancial barriers to receiving medical care, including legal restrictions, geographic isolation and provider shortages, provider practices and policies, and personal circumstances. Suggests ways to reduce these barriers. These efforts should not wait for health care financing reforms, because nonfinancial barriers will continue even…