Since the government healthcare plan seems to be years away we thought you might want to check into Medicare Supplements. These medicare supplement plans are often referred to as Medigap polices as they are a standardized plan. The rates are determined by zip code and the health care costs in your area. There are also other considerations like age, gender, if you are smoker or a non smoking, as well as if you have a Pre-existing Conditions. All of these factors can determine rates and possibly eligibility. This is the time to check this out as who knows what congress can do over the next couple years. National healthcare at best is three years away medicare supplement plans could be your best bet.