Don’t think that the problem’s of health care cost and health insurance premiums are restricted to low income people. No, many small business owners, large business owners, and people with the bad luck to have been without decent insurance when they got sick, are struggling with costs too. And indeed, many outspoken people in the medical community have voiced their own opinions about how the crisis affect their own ability to provide top quality medical care to everybody who needs it. Even the health insurance companies will, sometimes, admit that they would like to cover more people at a lower cost, if only the could.

How Will the US Pay for Health Care Reform?

Of course, the 800 pound gorilla in the room has always been the cost. Our current Medicare system which covers most US seniors and disabled people, already costs billions of dollars. How can we cover more people when we struggle to pay for what we have?

Obama says that his government has found the answer, and I hope they have!

Some of the money will come from closing tax loopholes for wealthier Americans. That is not bound to be popular with the very rich, but since I am not in that club, I am still willing to listen! Others come from planned increases in efficiencies in the medical industry which needs to revamp the way they do business like other industries have. And some will come from increases in charges for government services.

Of course, none of these changes come without criticism, both that the cuts will hurt medical care or that they are unrealistic in the amount of savings they will really create.

Nobody said health care reform would be simple.

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Along with a host of other problems that come with unemployment, like a lack of income, comes the concern over health insurance! We already knew that almost 50 million Americans lacked a medical plan, and that number has got to be rising with record unemployment figures. So what do unemployed people do for health insurance?

• COBRA – This is a law that forces some employers to extend group benefits for several months after an employee is terminated. However, those employers do not need to continue paying part of the premiums. The bill to the employee for the entire group insurance premium can be a burden.That is why many people look for: COBRA Health Insurance Alternatives.
• Individual Health Insurance Plans – You can find private insurance policies to cover yourself, and your family. You, and your family, will need to be accepted by a private insurer. So people who are fairly healthy, and also fairly young, will probably find an affordable individual health insurance policy. Keep in mind that many private insurance plans do not cover normal maternity expenses!
• Government health insurance programs – You can find some federal, state, and country programs for people with low income, or for people with high risk medical conditions that get them declined for health insurance. Learn more here: No Health Insurance.

You may have many affordable unemployment health insurance choices, but you may have very limited options. You need to explore an extension of group benefits if it is available vs. a private health plan vs. a government health program.