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State by state, lawmakers are taking on the difficult task of individual health insurance reform. According to a recent article in bizjournals.com on healthcare reform, Colorado lawmakers "...were considering a proposal that could fundamentally change Colorado's $30 billion-a-year health care system."

With health care the number one cost for businesses both small and large, it is no wonder everyone is considering health care reform. Big business health care is concerned because they see their era of run-away costs coming to an end. They want guarantees that every individual will have to obtain health care policies.

To ensure their profits, lawmakers in Colorado sponsored House Bill 1358 that would have a health care system that is both private and government sponsored. Government would provide a policy for expensive health care needs, also for most individuals without the ability to pay health insurance. Those who could afford better coverage would pay for private insurance.