Employer-sponsored insurance (ESI) has long been the mainstay of health coverage for most middle class American families. But a new report from the nonpartisan Robert Wood Johnson Foundation has found that this class of Americans is losing its health coverage faster than any other income group. Unlike low-income earners, middle class Americans don't have the safety net of a government program like Medicaid. Secondly, the cost of an independent policy is just too high; and in some states, people are denied coverage because of pre-existing ailments.