Consumers Union has put together a breakdown of the health care bills in Congress to let you see how they would affect you, based on your age and what kind of insurance you currently have (if any). It's an interesting tool to see what the various proposed changes are.

For instance, because I have health insurance through my employer (thanks, Consumers Union!):

Most likely, your coverage will remain very much the same. But if you don't like the coverage you have now, you'll have some new insurance choices.

Consumers Union created some fictional families to help you understand how the reform proposals affect different types of families:

• Perhaps (like a lot of people), you have good coverage through your job.
• Perhaps you have coverage through your job, but it is not so good. Rising costs may have forced your employer to cut back on the generosity of the benefits.
• Or perhaps you have pretty good coverage now but you are not sure how long it will last. Many small employers struggle with whether or not they will be able to afford coverage at all in the future.
• Some workers would like to "strike out on their own" and start their own business if only they could be sure that they will be able to continue good health coverage for their families.

Check it out here.
(Photo: Steve O.)