With news outlets broadcasting dire predictions about the financial downturn like a frothy-mouthed preacher on the apocalypse, we feel it's time to take a look at how people think the recession will affect insurance. With this in mind, we'll take a look at projections about how insurers may fare, how your premium could shape up, and other worries and notable points to keep in your head moving forward.

Its no secret that the American healthcare system has some serious issues, from massive underinsurance to high treatment costs, the general outlook…