Researchers at Harvard and Ohio universities recently confirmed the necessity of health insurance reform. A joint study, released online June 4, concluded that âÄúunless you’re Warren Buffett, your family is just one serious illness away from bankruptcy.âÄù The study explains how health insurance fails during times of sudden serious injury by using a system of loopholes and misconception to dodge covering most costs. ItâÄôs frightening that two-thirds of bankruptcies in the United States are because of some type of medical expense. But whatâÄôs more frightening is that 77.9 percent of the bankrupted had health insurance at the beginning of the bankruptcy process. President Barack Obama has started the push for what has commonly been referred to as âÄúhealth care reform.âÄù One of his ambitious goals and campaign promises has been to insure the 45 million uninsured Americans . But instead of distributing this illusion of insurance to the masses, Obama and Congress should first concentrate on how to fix the industry itself. Loopholes have created a false sense of security to many who are insured. People who have the belief of âÄúfull coverageâÄù are in for a rude awakening once the unfortunate day comes. Before Congress writes health insurance legislation, health insurance companies must be forced to offer reliable protection, which will require loopholes to be closed as well as unnecessary industry costs to be eliminated. As Dr. Steffie Woolhander, co-author of the study , noted, eliminating the insurance overhead and bureaucracy that plagues the industry alone would go far in making reliable coverage affordable and realistic. Yet, politicians in Washington seem willing to accept this illusion of full coverage. Legislative concentration is focused on spreading the problem through phony insurance reforms that expand weak coverage. Congress must not ignore these stark facts and effectively reform an insurance industry.