Health care reform won't make individual health insurance better until 2014

If you've shopped for health insurance as an individual, you've likely found it very difficult, if not impossible, to get that insurance unless you are in perfect health. Or once you're over the age of 50, you may find that even if you can get insurance, you won't be able to afford it.

I'm going to take a look at key provisions in the proposed health care reform that will be particularly helpful to those of us who shop in the individual health care marketplace. I've used the comparison tool on health care reform at The Henry J. Kaiser Family Foundation for this story. Even if the bill passes these provisions will not be available until January 1, 2014.