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By now it's an obvious, indisputable fact: The United States is in the throes of a health care crisis. In 1990, health care spending in the United States reached $666.2 billion, an astonishing 12 percent of the nation's Gross National Product (GNP); the U.S. Commerce Department predicts that health care costs will equal 14 percent of the GNP in 1992. These cost rises have been growing steadily, from $2,572 per family in 1980, to a staggering $6,535 per family in 1991.

Despite the exorbitant amount of money spent on health care, approximately 37 million Americans have no health insurance. Additionally, among the uninsured, 66 percent are full-time workers or their dependents and 14 …