Healthcare for Americans has been primarily the product of insurance plans negotiated by employers and offered by private insurance companies. For those of us that have coverage, it's become dramatically more expensive over the last decade or so. At the same time, payments to providers--with the exception of the pharmaceutical companies--have declined to the point where doctors and hospitals are being very selective on which insurance companies they will accept for assignment. Many big city doctors and hospitals won't accept Medicare anymore. And in Illinois, a large group of hospitals and doctors have opted not to accept the largest insurer in the state, Blue Cross-Blue Shield.

At the same time this is happening to those of us that are insured, there are 50 million Americans--almost 20% of our population--that have no health insurance at all. If they get sick or are injured, their only option is a hospital emergency room which, when they can't pay the bill, adds to the cost that must be shared by the rest of us.

THE PRIVATE SYSTEM OF HEALTHCARE INSURANCE THAT WE HAVE NOW ISN'T WORKING!

Clearly, something needs to be done to correct the problems I've cited. I'm sure there are all kinds of possibilities that will be discussed by Congress. The opponents of any form of government healthcare insurance will wail that the government will become our health care provider, they will pick our doctors and prescribe our treatment. That allegation will circulate, even on this forum, even though no one--NO ONE--has proposed that to be the case. The worst scenario I've heard is that the government will provide an insurance option, but that everyone will have the right to remain with their existing insurer if they so choose. But the plans being discussed will provide for healthcare coverage for the 50 million or so who don't currently hve coverage.

If in the process of legislating a plan, some of the abuses that have resulted from the lobbying of special interests--the effect of the pharma lobby on the Medicare prescription bill is a good example--so much the better.

I only hope that as a country we can afford to pay for a plan that private companies have failed horribly to provide.