If someone can't afford health insurance, is there a way people can help to make the rate go down?

Let's say someone wants to buy health insurance. But the health insurance is to expensive for them. Is there a way that the insurance can do down so that the person can have health insurance? And how will Obama help with the insurance problem?
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Sure, they can raise their deductibles, or limit their coverage, to limit the amount the insurance company has to pay out, and that will lower their cost. What's the "insurance problem"? Obama's definition, is that people with preexisting conditions can't buy coverage that covers them. So, he fixed that by backing a law that says, in exchange for YOU being REQUIRED to buy health insurance, the insurance companies have to cover preexisting conditions. Price is NOT relevant - they can charge as much as they want. Due to the nature of the law, insurance costs are actually going to go HIGHER - maybe a lot higher.
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