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Even people with insurance will find their coverage providing much less protection from financial catastrophe than it does now.
But the study also said that Mr. KerryÂs proposals would do more to expand coverage, providing health insurance to 25.2 million people who do not have it.
After the first year, the company lowered premiums by 3 percent and increased coverage, providing free vision, dental and life insurance to all its employees, including part-timers.
His plan would offer an alternative appeals process if insurers deny coverage, providing people with the right to sue only after all internal and external appeals had been exhausted.
There lies the challenge for Enroll America, a nonprofit group formed last year to get the word out to the uninsured and encourage them get coverage, providing help along the way.
Founder and former publisher Frozen Food Age, a trade publication established in 1952 when the frozen food business was in its infancy, widely respected for in-depth, honest coverage providing news, trends, detailed Master Merchandiser of the Year case studies as frozen food sales grew over the decades following the war.
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The premium coverage provides other perks as well.
But universal coverage provides a powerful incentive to manage costs.
Some mistakenly rely on coverage provided for in their homeowners' policy.
Ms. Stabenow said such coverage would be unreliable and unstable, like the coverage provided by health maintenance organizations.
The iPhone's cellular coverage, provided exclusively by AT&T Wireless, is notoriously spotty.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com