Politicians of all stripes are discussing it. Millions of Americans are losing sleep over it, particularly those who have lost their health plans in recent layoffs or workplace cutbacks. Every day we read more news about the state and debate of health care in this country. People are delaying recommended tests or important procedures – sometimes with dangerous and/or costly consequences. Because of rising costs, employers are less likely to offer health coverage. All the while, individual plans are out of reach for many working people. For those who find themselves unemployed, COBRA plans can likewise seem unaffordable.