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According to U.S. News & World Report, "Obama laid out an economic stimulus plan that positions health care as a cornerstone of financial growth and recovery." Not only does he plan to expand SCHIP and medicaid, but also to reduce wasteful spending and improve health care quality overall.

Professor and Chairman of health services at University of Florida, R. Paul Duncan stated,

"The thing that's really intriguing to me is, this seems to be nice recognition of how big and how important health care is a part of the economy."

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It's no secret that healthcare coverage is a pressing issue for President-elect Obama. A bill passed yesterday in the House expanding healthcare coverage for children from low-income households.

According to All Headline News,

"...the State Children's Health Insurance Program (SCHIP), covers 4 million more children. The measure will cost about $33 million over the next 4 1/2 years."

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Massachusetts may be leading the way to full healthcare coverage with their on-going experiment.

According to The Daily Nightly MSNBC, the Massachusetts experiment requires that

"Employers with more than 10 workers must pay the state about $300 per worker if they don't offer health insurance and residents must pay a fine up to $900 a year - if they don't get some kind of health insurance."

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Last week the numbers from the Labor Department showed 7.2% rate of unemployment. Most Americans receive their healthcare coverage through their employers.

So what happens to your healthcare coverage when you're laid off?

Many of the recently unemployed have fallen into the growing pool of uninsured Americans.

COBRA provides short term health insurance for a variety of needs--including when employees are laid off.

When faced with a lay off consumers have the opportunity to continue their health insurance
benefits by paying out-of-pocket for COBRA. Even though it's a good option for many consumers, it's not for everyone.

A report by Families USA, a consumer advocacy agency, outlines some of the things to be mindful of with COBRA coverage.

Ron Pollack, Families USA's executive director, said Friday, "For the vast majority of workers laid off, they and their families are likely to join the ranks of the uninsured."

This is where a temporary health insurance plan, like COBRA, comes in.

Unfortunately, many individuals and families aren't aware of temporary health insurance or COBRA, and because of this, sometimes they'll choose to forgo medical attention or go into medical debt.

The lesson? Not having health coverage can be very risky business.

No matter what your health insurance need, rates vary--sometimes drastically. So, as with many things, shopping around for temporary health insurance can mean a big difference in the monthly budget and can help any out-of-work person and their family remain secure in the event of unexpected medical emergencies.

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Small business owners need to keep their eye on all costs, including the growing cost of employee health insurance. Perhaps with the new Congress, help might be on the way.

With the new 2009 Congress it looks like 24 congress members have small business background backgrounds according to by Raymond Flandez in the Wall Street Journal blogs.

Nice.

With more than one third of the new members in the freshman class of 2009 (24 of 61) having these small business connections as entrepreneurs or investors of some kind, he says,

"Their expertise is much needed in issues important to small-business owners and entrepreneurs who represent 99.7% of all employer firms. Health care reform, access to capital, tax equity and energy reform seem to be on this year's agenda."