If you would like to email me, I can send you some sites that could be helpful for your paper.

The main problem I have encountered is health insurance companies lack of willingness to cover those with pre-existing conditions. If you are on a large company group plan, you are covered regardless of pre-existing conditions. But if you are like my family, which must rely on personal health insurance, it is extremely difficult to approved for coverage, especially if one or more members of your family have an “uncoverable” condition.

For a family of five, for one year, it costs us $7,000 for health coverage, and another $3.000 for prescriptions. The pricing on our policy is on the LOW end of personal health coverage, it can cost MUCH more, I assure you. For this $10,000 outlay per year, we still have a $15,000 family deductible, very little coverage where wellness exams are not covered, no dental coverage and no vision coverage. In other words, for our $10,000 it works more like an emergency policy.

It’s hardly worth it, yet if something happens to us, health care costs are so high in the U.S. that we would go bankrupt if we did not have the insurance.

Some people make the assumption that it is only illegal aliens and the poor that issues with our country’s health care. To the contrary, an illegal alien can simply walk into the emergency room and get help. The poor have Medicaid. The elderly have Medicare.

But what do the middle class have? No solution from our government, that’s for sure.

We “fall through the net” on this issue. We are not poor, nor illegal aliens, nor seniors. We are middle-class small business owners and contributing to our economy. But because we work for ourselves and not a big corporation, we are left by the insurance industry and the government to fend for ourselves.

Hope this helps.