Most people take health insurance plans for granted. Edwards said Detroit, where General Motors Corp., Ford Motor Co. and DaimlerChrysler AG’s Chrysler Group spend $16 billion annually on health care costs and are expected to pay $114 billion in future retiree benefits, is indicative of health care ailments felt nationwide.\n\nThis act makes incentive funds available to health care providers who begin to utilize a certified electronic health record (EHR), as long as they use it to achieve specific goals, showing meaningful use. Nowadays a lot of insurance companies are also providing policies for people from lower economic backgrounds.\n\nIn Washington, D.C., for example, there aren’t enough workers who have the healthcare-management or sales skills to meet the demands of the hospitals and retail stores and banks desperate to hire, according to a report by LinkedIn’s Economic Graph Team.\n\nCongress doesn’t seem to have any plans to address the issue in overarching jobs legislation or separate legislation any time soon. An independent broker can help you a great deal in understanding the health insurance policy that you would need to take depending on your credit and your needs.\n\nBeleaguered taxpayers already have ample experience with government “efficiency,” from the post office to the Pentagon. Finding the right one can be a bit of a challenge and all of these plans come with copays, premiums and out of pocket expenses that must be met along the way.