At the heart of reform, according to a summary of the reform by, is a national insurance exchange where a public health plan would compete with private plans; subsidies would allow low-income families the ability to buy on the exchange. Also, efforts are being made so that those pre-existing conditions are not turned away by insurers.

Here are some other key considerations for America's three largest groups who are not eligible for Medicare or Medicaid.

1. Insured through work (164 million)

Tentative Pros: Would not have to change insurers.
Tentative Cons: Certain bills contain "firewalls" that prevent workers from seeking out a better deal on the insurance exchange. (One bill would only allow workers paying more than 11% of their income for employer insurance to seek cheaper options.)

2. Insured on their own (14 million)

Tentative Pros: Likely lower rates thanks to increased competition.
Tentative Cons: High-income earners (singles making more than $280,000 and couples making more than $350,000) may be subject to a surtax to help pay for the plan. (This tax would apply to high income earners insured through work as well.)

3. Without Insurance (49 million)

Tentative Pros: If your income qualifies, the threshold is being worked out, you could get government assistance.
Tentative Cons: You will need to get insurance, or pay a penalty.

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