It turns out that health care isn’t the only kind of insurance that’s become unaffordable to millions of people across America.

Last month the first report by the U.S. Treasury Department’s Federal Insurance Office concluded that we can add automobile insurance to that list as well.

And it appears that Pennsylvania is among the leaders on that score, with more than 1 million people who are getting hit with insurance premiums that are too high for their incomes to handle. That’s defined in the report as prices that amount to more than 2 percent of a person’s income, which is the national average cost of personal auto insurance.

According to the report, Pennsylvania is one of seven states that have 200 companies offering personal auto insurance. Yet premiums were deemed “unaffordable” for more than 1 million residents — more than 41 percent of the state’s population.

That puts Pennsylvania in the top 5 states nationwide in terms of the number of people for whom vehicle insurance is unaffordable, according to the report. The others are Florida, Michigan, New Jersey and New York.

If you don’t think this state of affairs is damaging, think again. The report’s authors found that most people don’t want to just get by with minimum coverage on their vehicles.

“(M)any, if not most, consumers purchased auto insurance policies with coverage limits above the mandated minimum requirements,” the report states.

That’s a good thing. But they also found another correlation that shouldn’t surprise anyone: states where insurance was less affordable had a higher percentage of uninsured drivers.

And getting into a wreck with an uninsured driver means the responsible driver’s company has to pay — which could drive up their insurance premium, making coverage less affordable and possibly resulting in more uninsured drivers ... you get the point.

For most people — especially in rural Pennsylvania — employment requires access to a dependable vehicle. And access to that vehicle requires insurance. It’s not optional, and it’s directly related to people’s ability to improve themselves economically.

Consumer advocates are already demanding that state regulators step in and do something, but it’s too early to say for sure what’s going on here. What we do know is that knocking Pennsylvania’s rate of uninsured drivers down from where it currently stands (between 5 and 10 percent) is a very worthy goal.