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While there's still three months left to get a bill on President Obama's desk, the Pittsburgh Business Times is already predicting that Congress "blew it" in terms of creating an affordable health insurance plan for the public.

It's true that public opinion has drastically changed regarding health care legislation. And at the same time, the seemingly endless political infighting that has made the news since legislation came to light has lead many Americans to conclude that affordable health insurance won't be coming their way any time soon.

Many lobbyists for small businesses argue that Congress overreached itself, and didn't focus enough on insurance market reforms. Instead, all of the political and public focus went to the threat of a 'public plan' and how that might impact the market.

Still, there are those who hold out hope for a decent and affordable health insurance plan to appear on Obama's desk in time.

Since everyone - regardless of what side of the political spectrum they might find themselves on - agrees that our current system is unsustainable, it's likely that some type of change will happen soon.

Just what that means for individuals, employers, and the health insurance industry remains to be seen.