Taking the first step toward system reform. 
Small companies and individual Americans have an extraordinarily difficult time finding health insurance they can afford.  And, even when they do, annual premium increases quickly force them to shop for a new policy.  Reforms of the small market insurance field should include requiring insurers to sell a policy to anyone who wants to buy one; requiring insurers, after six months, to cover all costs incurred because of preexisting medical conditions; and regulating annual premium increases.  Two standard "MEDPLANS" would be offered at prices ranging from $75 to $100 a month.