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Kathy Kristof writes in this thoughtful column that the reason health care reform is dead is that Congress doesn't understand what insurance should really do.

So instead of getting what we needed—coverage that’s available, affordable and there when you need it—we got squat.

UPDATE: The Los Angeles Times is reporting that the Obama Administration has called on Anthem to justify these huge price increases. Health and Human Services Secretary Kathleen Sebelius, who used to head the National Association of Insurance Commissions, wrote that Sebelius said that Anthem's "strong financial position" made the increases "even more difficult to understand":

These extraordinary increases are up to 15 times faster than inflation and threaten to make healthcare unaffordable for hundreds of thousands of Californians, many of whom are already struggling to make ends meet in a difficult economy.

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Create a room-by-room inventory in Excel. UP provides an Excel sheet that lists items found in the typical home so you don’t have to start from scratch.

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Do you need disaster insurance?

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Is your home underinsured. 8 key points

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Is your home underinsured. 8 key points

3 costly myths about insurance

Homeowners, demand your (insurance) rights

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Ask about adding a “floater’’ or endorsement to your policy. If you’re storing really valuable property such as artwork, antiques, jewelry, furs etc., there might be dollar restriction on your standard policy. As your insurer about adding a floater or endorsement to your policy to make sure you’re fully covered on these items.

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“Cut your insurance costs, not coverage”

“Consumer groups warn: Don’t go bare (on insurance coverage)”

“Basic insurance questions still stump Americans”

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You can see how well you do on the rest of the quiz by clicking through to www.insureUonline.org and taking the Insurance Quiz. (Look for a small light-blue box on the right-hand side of the page, quick-detox online sales. Pharmacy quick-detox, Itâ€™s near the top.)

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3 costly myths about insurance

Should you buy pet insurance?

Close the gap in your car insurance

A home warranty is no guarantee

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