You don’t have to remind David Levine, UC Berkeley professor of business administration, to carry hand sanitizer and wash his hands thoroughly with soap. But why do many of us — from children to adults — lack these habits, even in a pandemic?

While public health officials and policymakers race to contain the spread of the novel coronavirus COVID-19 in the United States, they must also grapple with a daunting reality: Approximately 27 million Americans, or about 9% of the population, live without any form of health insurance. In the state of California, those without insurance number about 3 million and about 7.5% of the population.