Mathew Said:

California has had Tort Reform for over 10 years. What impact has this had on Health Insurance prices?

We Answered:

Nearly zero. The fact is that medical malpractice lawsuits make up 5% of the total medical costs in the USA. Some of these malpractice lawsuits are "frivolous," but surely not all of them. We can say then that "frivolous lawsuits" make up less than 5% of the total cost of healthcare in the United States.

Casey Said:

Why does Obama only want to talk about health insurance instead of talking about the prices providers charge?

We Answered:

He doesn't understand how insurance works..

Frederick Said:

How high will gas prices and health insurance cost get before?

We Answered:

Government makes more in profit (taxes), off gasoline then the oil companies do.

The price of health care will only go down, if people start paying for it themselves. Universal health care will push costs up.

Gregory Said:

Where does congress have the right to force citizens to buy health insurance at ridiculously expensive prices?

We Answered:

If you're arguing for strict price controls on insurance premiums then I agree with you. Health care coverage however is not and never will be cheap. Congress can require that you buy health insurance but it should also mandate price controls and include a public option for people who don't want to deal with the insurance companies.

Penny Said:

what is the average health insurance prices for a family of four?

We Answered:

It depends upon your ages and health history, your kids ages and gender, the type of plan and where you live. Here is some monthly averages for you:
Comprehensive Major Medical - includes dental, vision and maternity $800-$1300.
Comprehensive Major Medical - not including dental, vision and maternity $500 - $1000.
Budget Major Medical - may not include or may limit doctor visits and may have some procedures subject to the deductible $400-$800.
Basic Medical - may have many limitations $200-$600.
Medical Discount Scams (oops, I mean Medical Discount Plans) - You pay to have a card that makes you pay everything up front and gives you discounts that equal what you'd pay if you paid cash $10-$150.