Female Speaker: Tiffanie Tagner of Davie, Florida has to figure out how to balance the checkbook and pay for baby number three without the benefit of health insurance. Her husband's company can't afford to offer employee health coverage. Tiffanie Tagner: You just have to grin and bear it and put it on credit cards and that's about all you can do. Female Speaker: The stress and worry about medicals bills doesn't help Tiffanie or the thousands of pregnant women like her. They are married and earn income that puts them in the middle class. However, paying for healthcare insurance would break the bank; giving them a negative balance every month. Tiffanie Tagner: It gives me just as a knot in the pit of my stomach. It's just awful to think that I have to actually pay thousands and thousands of dollars to do what, you know what is our right is to have a family; we want to have three kids there is nothing wrong with that. Female Speaker: The Broward County, Florida Healthy Start Coalition helps families like Tiffanie's deal with the difficulties of being uninsured. Barbara Lesh works to find the help and services uninsured families need. She says the high cost of insurance is affecting families in increasingly higher income brackets. Barbara Lesh: Insurance has gone up so much that a lot of those middle class people can't afford insurance. Our middle class people fall in between. They don't qualify for Medicaid, but they can't afford the other. Female Speaker: A recent study found that women between the ages of 50 to 64 are nearly twice as likely to have problems accessing healthcare then men of the same age range. Barbara believes the work of identifying uninsured women has been made somewhat easier. Thanks to a state mandate, Florida doctors are required to give expectant mothers a questionnaire. It is used to determine pregnancy risks and being uninsured is high on that list. Barbara Lesh: In each County, it's sent to the risk screening office that's run by the County Health Department. They then look at scores as well as that the physician refer for healthy start. Female Speaker: Healthy Start is an example of how one state is handling the stress uninsured women face during pregnancy. On the national level, the debate gets more complicated. Any bill coming from Congress has to balance the needs of each state, but also work as a regulation nationwide. Ron Pollack: We've got a hodgepodge, a crazy quilt pattern of coverage. Female Speaker: Ron Pollack is Executive Director of Families, USA. This non-profit group works to create a plan for an affordable healthcare system. Ron Pollack: What we need is to create a national floor standard, under which nobody can fall irrespective of what state they are in, irrespective of their family status. That's the direction public policy needs to take and my hope is that as this issue increases in urgency, we will move in that direction. Female Speaker: Pollack says the cost of healthcare now affects middle class as well as working class families. That says Pollack, means the Capitol Hill healthcare politics will change in the near future. Ron Pollack: It's critically important to start reforming America's healthcare system because with each passing year, we are seeing more and more people become uninsured. Last year we had the largest increase in the number of uninsured in a decade, and it's likely to continue to increase because healthcare costs are rising. Female Speaker: Karen Ignagni is President of an industry trade organization called America's Health Insurance Plan, which represents the industry in Washington D.C. Ignagni says health insurers realize there is a market of clients that should be covered. Karen Ignagni: So, I think it's more about the healthcare urgency and that's the reason we should act. Yes, there are economic consequences, but individuals without health insurance can't be productive workers, they can't take care of their families and it has tremendous implications psychol