Barack Obama insists that healthcare reform cannot be postponed because of the economic decline, calling it a step that's required for recovery. At the same time, there's a growing consensus among doctors, hospitals, businesses and consumer groups that the time for action is now. By "universal," Obama does not mean healthcare provided and paid for by government. He wants to build on the current, employer-based system. "Universal" has come to mean guaranteed or mandatory health insurance for every American. What will it look like? What will be government's role? Asked, can we afford to do it? Obama replies with his own question, "Can we afford not to?"