I came across this excellent article today:
You Do Not Have Health InsuranceIt basically says that unless you are over 65 or pay directly for your health insurance premiums yourself, you do not have health insurance. Chances are, your health insurance is a benefit provided by your employer or your spouse's employer. So as long as your health insurance depends on your job, your health is only insured insofar as your job is insured - and your job isn't insured.
If you lose your job or get divorced, you're in the individual insurance market. Good luck. It's extremely expensive because the insurance companies, in a free market, need to charge you what they expect your liability will be to them plus administrative costs plus a profit margin.
The problem with the huge argument for a public option or single payer system is that its not presented properly. It's presented as some kind of give-away to the poor and those who think they aren't poor don't want anything to change. But when you think about it, unless you're independently wealthy, you're poor too and such a system is in your best interest.
So you do not have health insurance. Have a nice day!