Many people in the USA are looking for more affordable health care owing to the continued increase in premiums. Accountants in many companies have been told to cut expenditure and have used the rising cost of providing employee health care as a reason to cut back services. I know this because I am one of those workers; I have a great job and prior to 2006, I also had an amazingly wonderful health care plan. They informed everyone that owing to the increasing cost of providing health care, they were going to use a new, less expensive provider.

The company was seeking a more cost effective plan that would benefit all of its employees. I don't doubt that many people will say that I am still doing alright and shouldn't complain. The problem is that in an effort to find a less expensive insurance, having my husband and daughter on the policy is now costing twice the amount it did before. Without a pay increase, my paychecks are now much smaller just so that my family can have cover.

From what I have seen, this new company we are with is not in the same league as the old one even though I still seem to have a reasonably good plan. The new affordable health care plan initiated by my company meant that certain workers found themselves a lot worse off financially with additional co-pays and expenses. You see, four years ago, I gave birth to a little girl and of course my old insurance paid for the whole of my hospital stay. I sat and worked out the cost of this new plan and if I were to stay in hospital now and have a baby it would cost around 4,000 dollars out of my own pocket.

But, this doesn't include the additional amounts taken out of my paycheck, only the hospital costs. Affordable health care options are becoming more widely available because there is a desperate need for them. Those less fortunate can now get free health care more readily and workers without health care are able to join special schemes. Unfortunately, there are always a few that want to ruin it for the rest and this system is prone to misuse.

There are just too many people who want nothing more than the state to pay for them and make it harder for those who are in genuine need of affordable health care, trying to improve their circumstances. Although I say they can be a burden to the state, I really mean a burden to its citizens because it is the tax payer who foots the bill. Ok, so some of the employees where I work have benefited but the real winner was my company. It worked out just fine for my employers when they switched providers but many of us are paying the price. Providing health care which is affordable for Americans needs to be dealt with sooner rather than later.