So you think the health care plan doesn’t do any good for you because you’re middle class and insured? There are a couple of handy calculators you can look at to see the immediate impact, if any:

The Washington Post’s calculator is pretty straightforward.

The NY Times calculator offers a lot of detail.

The fun game with these is to play around with your situation. What if we had another child? What if I lost my job? What if my employer dropped insurance coverage?

As it stands now, these kinds of changes can be very disruptive. A lot of people worry about losing their job because it means they’ll lose their health care — and if they can’t maintain coverage, their “preexisting conditions” will no longer be covered.

So when you think about how health care reform will effect you, think beyond how it can effect you in your current situation — think about how it could effect you if things turn out differently than you expect.