As the United States Supreme Court continues to debate Obamacare, President Obama’s historic health care reform bill that still continues to sit in limbo during an election year, a study by the Commonwealth Fund was released recently which showed that one in four people living in America lived without health insurance like Colorado individual plans in 2011 and many of them still continue to remain without health insurance in 2012 due to issues like unemployment, job changes or health insurance being too expensive for the average individual.

An Alarming Trend

The study of 2,100 working class individuals, between the ages of 19 and 65 showed an alarming trend that 26% of adults over the age of 65 are currently living without health insurance plans like Colorado individual and this amounts to over 40 million people when the study was compared to recent U.S. Census data.

Of the individuals that were surveyed, the majority of individuals said that they were going without health insurance because; most of the health insurance plans on the market today were not affordable for them.

What are consumers supposed to do without health insurance plans for individuals? The average working class consumer will avoid regular check-ups and potential problems that can be resolved early will go unchecked for years until they turn into a -time bomb- waiting to go off.

What’s The Solution to the Problem?

With high unemployment rates, unaffordable coverage and uncertainty about President Obama’s health care reform package, nobody really knows what the future holds for individual health insurance plans in the United States. The study also found that over 40% of the individuals who were surveyed lost their health insurance, when they lost their jobs, 18% were dropped from Medicaid and over 27% were never insured altogether.

Some states are considering alternative health insurance options, in Virginia, Bedford County is considering an insurance plan that would be self-funded and insure that workers take home pay wouldn’t be decreased or increased due to the raises in premiums. Employees would pay their monthly premiums to the county and the county would use the funds to cover administrative costs etc.

Other states are considering forcing health insurers to pay for contraception measures and this is expected to raise the costs that people who are insured can expect to pay. One thing is for certain, serious changes will be coming in the health insurance world in the coming months, regardless if Obamacare is accepted or rejected and everyone who lives in the U.S. should be ready for those changes.