The healthcare legislation under construction in Congress would force insurers to conduct business very differently, but the companies had already agreed to some of the most fundamental changes. One was their pledge to offer coverage to everyone, regardless of medical status, if the government could ensure that people would have to sign up. But now, in the possible absence of forced change to their business, the insurers still face the challenge of selling a product that is increasingly out of reach for more Americans as the cost of medical care and premiums continues to climb, the New York Times reports.
