Statistics indicate there are 46 million Americans without any health insurance and another 25 million who are underinsured. Health Insurance Reform has been criticized for its far-reaching sphere and scope of control over individual health insurance providers. Undoubtedly, one substantial consequence will be the numerous requests for health insurance quotes in the future because of the enactment of this legislation. For the first time, Americans will have choices and discretionary electives regarding individual health insurance coverage, premiums, and plans.

One new facultative decision that will become significant because of the health insurance reform is Medicaid will offer the disabled home health and community based services. Previously, this option was only a consideration for the low-income elderly. It will provide the disabled an opportunity to exercise some measure of control in their destiny, retention of their dignity, and maintenance of their independence.

Low to moderate-income families who do not qualify for Medicare or Medicaid will have the option of purchasing health insurance at a reduced cost. "Premium credits" will be issued to offset the cost of private health insurance coverage. Prospective insured will receive affordable health insurance quotes that will be consistent with budgetary constraints.

Individuals with incomes that exceed Medicaid limits, but are 400% below the poverty level will also receive "premium credits" that will enable them to afford health insurance coverage at a reasonable rate. These credits will effectively decrease the cost of the premium. Others who have an appreciably higher income, but one that is 133% below the stipulated poverty level, such as low-income parents or non-disabled adults without dependents will be eligible for revamped Medicaid. These efforts ensure access and the ability to utilize comprehensive, critical, and more cost-effective health insurance.

Parents with adult children to age 26 will have the option to include them on their health insurance plans; dental and vision benefits are included. They will not be forced to purchase individual policies that are expensive and have underwriting challenges, especially if there were pre-existing conditions or if the child had received treatment for an illness previously. However, under the health reform legislation, insurers will not be able to exclude or rescind coverage because of pre-existing conditions or illnesses.

Individuals will have the option to be reinsured if they retired early, between the ages of 55-64. In the year 2011, it will be mandated by law that these health insurance benefits are extended.

Finally, the Health Reform Act will provide many options and health insurance coverage opportunities that will be inclusive rather than exclusive. Many individuals will experience the confidence and security of having individual health insurance coverage.