As Gov. Arnold Schwarzenegger and governmental leaders start haggling over how to broaden admission to health insurance coverage for millions of Californians who lack it today, they will mostly be talking about tweaking the existing system. Though their plans have major differences, the governor and his legislative counterparts all want to protect and expand the employer-based system as we know it, mostly by forcing more companies to buy private insurance coverage on behalf of their workers.
If you think the current system works pretty well, then you possibly think this is the right approach. A few subsidies here, permission there, a new tax or two and we're done. After all, more than 80 percent of Californians have health insurance of one type or another already.
The reason more employers don't already give care is that they can't afford it. The reason many individuals turn down the health insurance that employers do suggest is that they don't think they can afford it, which is another way of saying they think they should spend their money on something else, perhaps a necessary item such as food, clothing or shelter.
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