(MONEY Magazine) – Now that Congress and President Clinton are flnally hunkering down to address flaws in America's $942 billion health-care system, we thought it was time for people like you to let them know what changes you want to see. So in consultation with more than a dozen health-care analysts, we've drawn up a 23- question health reform poll (at right and on the following page) for you to complete. Tell us, for example, whether the system should guarantee coverage for the 38.5 million Americans who now lack it -- and, if so, how? And let us know what, if anything, you think should be done to prevent health costs from rising so fast -- they were up 5.4% in 1993, less than the 9.6% gain registered in 1990 but still twice the rate of inflation. We'll publish the results in a future issue. But what's more important, we'll pass on your responses to the legislators and the President before they take action on a health reform law. While support for health reform remains strong -- 90% of Americans said in a recent poll that the system needs fundamental change or a complete rebuilding -- there is no consensus about how to proceed. Dozens of proposals are pending in Congress, including the flve major ones summarized at right. And their approaches vary across the board. President Clinton's mammoth 1,342-page legislation, for example, would require employers to pick up much of the tab for providing universal coverage. Rep. Jim McDermott (D-Wash.) also aims to cover every American, but his bill would pay for it through a taxpayer- flnanced health-care system like that in Canada. At the other end of the spectrum, Republican programs, such as the one offered by Rep. Robert Michel (R-Ill.), would improve access to health insurance but still leave many Americans uncovered. If Congress does manage to hammer together a health plan this year -- and experts expect at least some action by the fall -- it will likely emerge as a patchwork of proposals. Partly that's because lobbyists will be pushing to mold the legislation to their own ends. The 33-million-member American Association of Retired Persons, for example, recently refused to endorse Clinton's plan partly because of fears that it might force the elderly to pay more for Medicare beneflts. But the new law may also be complex simply because health reform demands so many trade-offs. Take the issue of who will pay. Under President Clinton's plan, more than half of the 85% of medium-size to large companies that now cover their employees could see their costs drop by $100 or more per worker, according to an estimate by the health-care research flrm Lewin-VHI. But employers who don't provide coverage could see expenses climb by as much as $1,908 per worker per year. And that cost will likely be passed on in the form of higher prices to consumers and lower wages to employees. On the other hand, if individuals are asked to buy their own coverage -- as Sen. John Chafee (R- R.I.) wants -- then federal subsidies may be needed to help people afford it. So tell us how you weigh in on such thorny issues. We -- and Washington -- want to know.

CHART: NOT AVAILABLE CREDIT: NO CREDIT CAPTION:A quick rundown on the major health reform plans