A basic right that every American should have is adequate health insurance. At this present moment there are approximately 60 million US citizens who are without insurance. It is increasing alarming that in the land of plenty that even going to the doctor may lead to financial ruin.

Not everyone is a self-motivated entrepreneur. Others even if they are self-employed may not qualify for individual health insurance due to a medical illness or condition. However most of us work for someone else, and may depend on healthcare coverage for ourselves or other members of our family. Therefore we are familiar with group health insurance, which covers eligible individuals of a company , and cannot reject anyone during the enrollment period based on their health.

There are some other issues facing Americans when it comes to health insurance. When people retire early they find themselves without medical coverage. You are not quite old enough for Medicare. Essentially you have four options: Individual health insurance, health saving accounts, short term health insurance, or cobra insurance. If you and your family are healthy, then paying for a permanent plan may be a reasonable option. Let us assume you might work again, in this case you could benefit from short health insurance for six months, and use cobra for up to eighteen, thereafter if you so choose. Also, health saving accounts have been touted by the Bush Administration. There are two components to this plan including a high deductible health insurance, and the actual plan health savings account. If you are unhealthy and know you will burn a hole in your pocket, often your state can offer you some type of coverage if you meet their criterion.

There has to be a solution to the ever rising cost of healthcare, which some companies cite as the reason they no longer offer health insurance to current or retired workers. It is a vicious cycle where those who fail to get good healthcare generally end up with compounded health problems over time. While it may not seem feasible over the next decade we are going to have to reconsider a national health insurance plan. Maybe that could be the piece to help fill in the Social Security gap. If you are sick as child you may not be in the correct mind frame for learning. We need more productive citizens to contribute into the land, therefore the need for better healthcare is extremely critical in areas where industrial and service productivity is low.

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