Almost everybody, including liberals and conservatives, will agree that the health care system in the US needs some reform. This is not just a problem for poor people, but it affects everybody from the unemployed and underemployed to small business owners to large corporations. Health insurance premiums and health care costs keep spiking, but we do not always benefit from better health care because we pay more.

But how can the US pay for health care change?

The legislation, as it stands now, targets a $1 trillion price tag. So where do we come up with an amount of money that we can barely even understand?

Some of the payment will come from choice. A small business owner may choose to cover his or her employees with the private policy the company already has, for instance. Or that business may, instead, choose to pay premiums to the publish insurer. The public insurer will not be allowed to discriminate on the basis of health conditions, and will accept every company. So, I suppose, a younger and healthier company may do better using private, competitive insurers. But a company with older or less healthy workers, or perhaps more risk, may choose the public option. This is just my understanding from what I’ve read, and it may not be what happens.

Do you need health insurance now?

Get some health if you have no medical insurance now. We want to find you options if you are self-employed, a contract worker, unemployed, or have a high risk medical condition.  Unemployed people may want to consider their options with COBRA health insurance alternatives too.

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