The U.S. Senate will make a choice this month between two health reform options that affect the affordability of health coverage for America’s families. One bill does not require employers to contribute to the cost of employees’ health insurance but requires a typical family in California to spend an average of 17.1 percent of family income for health insurance premiums and outofpocket costs. Another bill requires shared responsibility from employers and asks a typical middleincome family in California to contribute $2,196 less each year toward their family’s coverage than the alternative.