To the consternation of small business and medical insurers alike, California Governor Arnold Schwarzenegger has announced sweeping reform in health care coverage with a proposal of universal health care for all Californians. Currently, 6.5 million residents who live in the state are without the security and safety of medical health care coverage.

Schwarzenegger, who is now being accused of sounding more Democrat than Republican, suggests his new $12 billion dollar health care plan be paid with fees levied on businesses, insurers, doctors and hospitals, and that 85 percent of every insurance premium dollar be spent on the insured in patient care. Insurers would be required to make all-things-equal in offering health insurance based on a community-rating model, as opposed to charging higher premiums for those who fall into a high-risk category. In addition, insurance companies would not be able to deny coverage. All persons who apply for health insurance would be guaranteed coverage.

Employers would be required to provide health insurance to all workers or pay 4 percent of their payrolls to the state; doctors would pay a new tax of 2 percent; and hospitals would pay a new tax of 4 percent.

The number of medically-uninsured in this country is growing yearly, and it is an issue that cannot be ignored. Those without medical insurance postpone seeing a physician, and when we are talking about cancer, delayed diagnosis and treatment can often mean the difference between life and death.

Recent surveys have indicated that even the insured are beginning to wonder if they will be able to afford quality health care in the future, as the cost of care continues to rise. It is not lost on politicians that health care is an important issue with the voters of this country, and those who wish to garner more votes will tackle these concerns.

In fairness, I am not suggesting politicians are solely motivated to act based on popular vote, but elections do have a way of clarifying the issues that are important to the citizens of this country and the resulting changes that can occur as a result of defined focus.

Schwarzenegger is not alone in his efforts to affect change. In December, Oregon Senator Ron Wyden introduced a new proposal to provide affordable, high quality, private health coverage for everyone regardless of where they work or live with the Healthy Americans Act.

The current system is simply not working for nearly 46.6 million people who are without health insurance coverage, according to statistics provided by U.S. Census Bureau's Housing and Household Economic Statistics Division. The solution will not be an easy one, but a solution is needed. Schwarzenegger has made a bold move, but one that will be made by other political leaders in this country as we lead up to the 2008 presidential elections. For the every day citizen, the time is overdue for the realignment of a health care system that is teetering out-of-balance and in a seriously off-kilter orbit.

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Healthy Americans Act: health insurance for every citizen