Although I have worked for years in the United States including in and around health issues, I have never fully understood the ways in which Americans pay for their health care, or why their insurance company-based system is so important to them. This article explains how complicated it is to choose a medical plan and how expensive it is not to have one. And fundamentally this doesn’t change under Obama’s new plan. The premium this family pays, even now under the plan they want to keep, are more than twice what I pay for a family of four in a …