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In the struggle to provide children with adequate medical coverage, no one is admitting that the expensive and confusing nature of individual health insurance plans is hurting the State Children's Health Insurance Program (SCHIP).

At the National Center for Policy Analysis, it's clear that the SCHIP is in trouble. About 14 states can't afford to cover the program right now, and more will be too bankrupt to do the same in the very near future.

So what's going on? There are too many adults covered by the plan. In some states up to 66% of those with taxpayer subsidized health care are adults, and many of them even come from middle-income families.

How is this possible? Individual health insurance is confusing, and completely overpriced. And let's face it; if mom and dad get seriously sick, then the kids will suffer then too. Of course all children should enjoy medical coverage, but it's easy to see how adults need to stay healthy too. The situation is intolerable, and it's only getting worse.

The best scenario would be to have all children protected by insurance, and to make individual health insurance plans affordable and available to all the adults who take care of them. Sadly, this isn't going to be the case for some time.

In the mean time parents must take good care of themselves, stay healthy, and shop carefully for competitive insurance prices.