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Nancy Talley: Employer plan
Nancy Talley: Employer plan
Nancy Talley, 61, lives in Durham, Calif., with her husband, Dean, 60, and their three children.
What I pay: $650 per month
Deductible: $2,000 per person
Insurer: Blue Shield of California

My husband works for the U.S. Forest Service, and they sponsor health insurance for us and our three college-aged kids.

We're happy with our policy, but what frustrates me is that health care costs depend on what insurance company and plan you have. If I ask how much an office visit or a mammogram is, I shouldn't be asked whether or not I have insurance and what my policy is.

What I want fixed: I'd like to see that the base price for the services fall within a certain range across the country -- like groceries. That would increase the competition in the industry and people would have more control over how to spend their medical dollars. And getting rid of state-specific insurance would also standardize costs.

I also think Congress should pass tort reform. It won't limit out-of-pocket medical expenses, but it will still bring down overall costs and help everyone in the end.

NEXT: Michael Sweeney: Employer plan

Last updated October 15 2009: 6:29 PM ET
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