Cheap Health Insurance is on every person’s mind as we start a new year in recession and expecting the new, black president to do something about it. Universal health coverage is on its way to the United States, most likely in the form of an expanded Medicare System that covers everyone, and ultimately, serves only the poor.

If your employer offers you health insurance benefits, expect those to go away, in lieu of this new government based system. Want affordable health insurance that you have some control over? Then expect to purchase personal health insurance on top of what the government provides. In the end, there is no such thing as cheap health insurance, only what doesn’t come free from the government, or what you buy for yourself.