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As the fierce debate on President Obama's plan for health care reform comes to a head, Americans should be thinking carefully about what happens if Congress fails to enact legislation.

Americans without health care coverage lining up in Wise County, Virgina, for a chance at free treatment, 07/24/09. (photo: Steve Helber/AP)
Americans without health care coverage lining up in Wise County, Virgina, for a chance at free treatment, 07/24/09. (photo: Steve Helber/AP)