Many people in the USA are looking for more affordable health care owing to the continued increase in premiums. Workers are being hit hard by employers anxious to save money on their premiums by reducing cover or passing on the rises in cost. In this instance I speak with experience because my health care service has reduced this year for the first time ever. The first we knew about it was when the company called a meeting informing of some changes including the switch to a cheaper health care provider.

To make the system fair to everyone, the health care provider would need to change. Many people I've spoken to are happy with the new insurance and that I am just as well provided for. The new insurance company may be cheaper for the company but it isn't for me because to have my husband and daughter in the plan costs double what it did with the previous provider. Taking a good deal less home in my paycheck to have my family remain on the healthcare policy seems to be the only option I have because almost everyone else is happy with the new arrangement.

I suppose my health care plan is still good but this new company is not as good as the old one. It's all very well making the excuse that you are searching for a more affordable health care alternative but it doesn't wash when you see reducing your income but also out of pocket expenses also. My last policy took care of all the hospital stay when I had my little boy nearly 3 years ago. Compare this to the new health care plan and I would be out of pocket by over 4,000 dollars.

There are also the co-pays to consider, another cost in addition to the hospital fees I would have to pay. Luckily there are more and more affordable health care programs being created to help those that do not have any coverage. Those less fortunate can now get free health care more readily and workers without health care are able to join special schemes. I applaud the set up of these programs but not enough is done to stop those that wish to take advantage and ruin it for others.

Those programs should be for struggling families who are taking steps to better their futures, not for people who have no motivation and live off of the state systems and affordable health care programs. We often forget who is ultimately paying for these schemes; us, the taxpayer. Ok, so some of the employees where I work have benefited but the real winner was my company. Less take home pay was the result of my company's health provider switch with many of its workforce the ones seeing less money to take home for their families. We have a responsibility here in America to providing some sort of affordable health care for those that need it most.