This report analyzes health policy options designed to address the healthcare needs of uninsured and underserved populations in the United States. The paper presents three policy options: a healthcare policy for adults below the poverty line, a special insurance policy for genetic counseling, and an insurance policy for daily wage factory workers. Each option is analyzed in terms of its potential outcomes, decision criteria, and recommendations, considering the positives and negatives of each approach. The analysis considers factors such as lifestyle diseases, genetic risks, musculoskeletal disorders, and the importance of health literacy. The report emphasizes the need for targeted interventions, such as reducing smoking among the underserved, providing genetic counseling, and addressing occupational health risks. The recommendations highlight the importance of community-based education and health literacy in the successful implementation of these policies, aiming to improve healthcare access and overall well-being for these vulnerable populations.