"Utah is only the second state to develop its own insurance exchange, and it is distinctly different from its better-known counterpart in Massachusetts. It is also unlike anything currently envisioned in Congress.

Aimed initially at small businesses, the exchange offers a way for companies to pay a fixed amount toward their employees’ medical coverage, instead of buying the coverage directly for them. The workers then can select from various plans on the exchange. If they cost more than the employer’s contribution, the employee pays the difference."

Excerpts from a New York Times article offers insight into the dilemma Congress is going through in its plight to establish a universal healthcare for our nation. There are so many options and ideas out there that narrowing them down into one that will fit an entire nation is difficult. Utah's example works for that state but would fall to pieces in larger states like Texas or California.

To read the full article, click here: http://www.nytimes.com/2009/10/06/business/06exchangeside.html?scp=9&sq=October+6+2009&st=nyt