Make insurers insure people again  A coalition of Democrats and
Republicans who really support small businesses is forming to
make certain that you can get health insurance at every phase of
your life. They should soon send a bill to the Senate that will
make our health insurance market make sense.  Can you think of
an industry that makes its money by avoiding customers? Doesn't
that seem like a really weird concept? Well, there is one: the
health insurance industry. Private insurers, like Aetna,
carefully screen their customers to keep the ones most likely to
have health problems out, a.k.a., "cherry picking." They look
for small companies filled with healthy, young workers and offer
them great plans. Then, they just rake in premiums, because even
at reasonable rates they are making money because the young
turks don't get sick.  They can do this because Pennsylvania
permits insurers to set rates based for an employer based on the
health status of its employees. So, Blue Cross & Blue Shield
have to insure eve