Increasing competition among insurance companies is actually one of the best parts of Obama’s plan. There are a few health insurance companies today that are dominating the market and this is one of the important reasons for rising health costs. To prevent this uncontrolled health insurance market, Obama and Biden will force insurers to use a substantial share of their premiums for patient care rather than for profit and administrative costs.

Finally, by guaranteeing eligibility, Obama’s plan enables anyone who seeks health care to have it. Americans don’t have to worry about being rejected from an insurance company because of their dismal medical history. While allowing everyone to have insurance, the Obama-Biden plan makes an effort to provide affordable health insurance for those with low incomes. Through their National Health Insurance Exchange, Obama and Biden will help individuals receive fair and stable premiums.

Looking at just these three aspects of the Obama-Biden plan, the prospects of American health care look good. A significant majority of the uninsured may now have health insurance at an affordable, stable premium. Universal health care can mean different things for different countries. For countries in Europe and Asia it may mean that everyone is insured, and the government plays a mediating role. For the United States, it means something entirely different. With different demographics come different necessities and different desires. Perhaps to the many Americans who voted for Obama, his health plan is their universal health care.