Health-Care Reform Takes Center Stage

But budget constraints will limit President-elect Obama’s options.

Health-care reform was one of President-elect Barack Obama's major domestic issues throughout the campaign, and his victory means that health care will be a priority.

What will Obama's plan look like? Based on his campaign proposals, people would have both private and public insurance options. They could keep their current coverage through their employer or, on their own, buy new private coverage or enroll in a public insurance plan that would be portable and provide benefits similar to plans currently available to federal employees. Small businesses and individuals could buy public or approved private coverage through a national Health Insurance Exchange, a marketplace that could make it easier to shop for insurance.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.