The year 2006 is a big election year. It may not have the glitter or glamour of a Presidential Election year, yet control of Congress is up for grabs. In this election season, there is one issue that should not be ignored and that is healthcare in America.

Politicians on neither side of the aisle have seemed to come up with a viable solution to the spiraling cost of healthcare. This issue is not going away. The Bush Administration has touted their Health Saving Accounts (HSA) as an alternative to keep health costs down. The idea is to get the worker to pay for the first $1,100 or $5000 or so of their health costs. It depends of your annual deductible. The true advantages of the plan include your ability to choose where to spend your health related expenses (some exceptions may apply) and the money can be rolled over and stays with you when you leave your employer.

Most people in this country have health coverage through their group health insurance plan at work. However, as the price of health insurance premiums continues to rise, employers are asking their employees to flip a greater percentage of the bill. A considerable percentage of the American workforce is making considerably less money now, than even three years ago. It is very dangerous that some workers are making tough decisions in regards to funding their children's education or settling debts and keeping their health insurance coverage. What can be done to stop this tragedy?

We need to focus our efforts on creating an universal health insurance that offers competition to one's group health insurance plan. I believe that everyone should undergo underwriting, however no one can be turned down. There is no reason why any American is without health insurance. We owe it to the least of us to protect their health and happiness. People can swear by other issues, but when it comes to going to the doctor or hospital; a lack of coverage can bankrupt a lot of us. Urge your Congressperson to promote an universal health insurance plan for all Americans.

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