If you're hoping a new administration will bring you health-care security, don't hold your breath. With the country reeling from the banking debacle, and the markets in a free fall, even the most optimistic Americans question whether the next president will be able fulfill his health-care promises.
Senator Barack Obama, for example, may have a hard time passing costly reforms outlined in his plan, which calls for mandatory coverage of preexisting conditions, tax credits for families, and the expansion of Medicaid and the State Children's Health Insurance Program (SCHIP), which would cover all children without private insurance.
Senator John McCain's plan aims to cut tax breaks for companies that offer health insurance to employees, and replace them with a refundable tax credit of $2,500 for individuals or $5,000 for families--a promise that may be hard to make a top priority.
But no matter who wins, and what they are able to accomplish, there is a lot you can do to save on medical costs and plan for a healthier future.