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Blue Cross, the health insurance mega-giant, has decided not to wait for slow moving legislation or a new presidential hopeful to make health care more effective and available. Instead, the agency has presented its own proposal this week to reduce the number of Americans without medical coverage.

As it's reported by Reuters, Blue Cross' plan would combine tax credits to encourage people to buy coverage with ideas to improve the quality of health care, and is intended as a blueprint for U.S. policymakers.

The proposal would extend coverage to 30 to 35 million of the 47 million people who don't have health insurance in America. And while its cost is an estimated $50 to $100 billion per year, the overall proposal would also yield other savings as uninsured people get coverage and cut down, for example, on hospital emergency room costs.

Of course, we could all ask, who will benefit the most from a health insurance plan designed by a health insurance agency? But still, any attempt to boost coverage for the millions who must live without adequate health care is a good idea. And who would know better how to manage medical coverage than an insurance giant like Blue Cross?

It will be interesting to see how their plan compares to that promoted by legislation, and how it will stack up financially when it comes time for someone to pay the insurance bills.