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With a health care reform bill already passed by the House earlier this month, and with the Senate giving the green light to debate its own very different proposal after Thanksgiving, it looks like legislation might yet be passed after all. The question is, what will its final form be, and what impact will it have on the insurance industry and consumers?

In football vernacular, I wish we knew whether it’s the second, third or fourth quarter of this political Super Bowl! The Senate’s quarterback–Majority Leader Harry Reid–is acting like he’s in the fourth quarter with the ball and two minutes left to score, but we may yet have a long way to go before we finish playing.

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