I mentioned my brother-in-law's situation a few times and why our healthcare insurance system blows! He is (was) a small business owner (a failed one that has went under nonetheless). He has MS! Insurers hate it, because its VERY EXPENSIVE, duh! He tried to get insurance via a group plan for his small business a while back, but it was WAY TO EXPENSIVE! Ridiculous expensive! So his wife had to get a job to get them health insurance (bitched about it everyday, but that is another story). She got one and he got insurance. Two months back they split and she filed for divorce. She dropped him from her insurance (which her employer was all too happy to do - sidenote she was almost let go, because of the burdern covering her husband costs had on her small business employer) immediately. Now he is a very sick person with no insurance. With MS he has trouble getting a job in a normal market, he is having an impossible time in this market! His doctors won't even see now. He has large medical bills because for 2 months he went for exams and treatment and didn't realize he had no insurance! With a failed business, bankrupt (yep he had to file), partially disabled with MS (meaning SS disability and medicaid won't cover him - yep he applied), no insurance, no money, shaddled with a mountain of debt and yep homeless (he moved back in with his parents) it would have been nice for him to at least get medical attention so he could possible get someone better and get back on his feet. Not happening! All In The Family Solution? Not so fast! My inlaw's stated they were going to pay for the insurance (with myself and my wife's sister's family tossing in a little bit), so far he is getting flat out rejected, offered a rider NOT to cover his MS (yep the thing he needs insurance for) or the deductible and premiums are astromically high (basically a way to send us away)! What are we finding out? HE CAN'T GET INSURANCE UNLESS HE GETS A JOB! But who wants to hire someone who is very sick? Not many! With MS he can't even get a job as a cashier as Safeway, Jewel or Costco! He is a prime example of WHY a public option is NECESSARY!