GRAND JUNCTION, Colo (KKCO) -- Club 20's 2012 Winter Policy Committee meetings are underway.

The group that serves as a voice for 22 western counties will take on everything from health care to education.

Linda Romer-Todd is not only a member of Club 20 but also has a wide range of people that deal with health care living in her home.

"I'm in a multi generational home, with ages from 16- 95 living in my home," says Romertodd.

Linda is a guardian of her three grand children and is trying to maintain health coverage for all of them, but one grand child in particular is more of a battle.

"A grand daughter who is diagnosed with some mental issues of schizophrenia, multiple personalities," says Romer-Todd.

Mental health is one of the biggest health care needs and Linda's grand daughter will need it for her whole life.

"It’s something that is not covered by all insurance agencies, and so trying to find help for someone who will have a life time of issues is very difficult," says Romer-Todd.

Club 20's Winter Policy meeting held on Thursday, focused on multiple topics that would impact the Grand Valley.

The two biggest topics were the health insurance exchange for the state of Colorado and restructuring the cost of health care.

"Under the current health care system, there is a lot of cost shifting mechanisms in place, that means, that some payers for health insurance don't pay what it costs, and other health insurance payers end up picking up those cost," says Club 20’s executive director, Bonnie Peterson.

The health committee meets twice a year and considers things that are going on in the heath care field and if they should take a position and develop resolutions.

"We're looking to change that to talk about responsibilities, of people being responsible to maintaining a home for your family, you need to be responsible on maintaining insurance for you and your family," says Romer-Todd.

And for Linda, her focus remains on her family.

"If we don't solve the issue of covering mental health then that will eliminates her for coverage's for other issues that she may need health insurance in her life, we try to be responsible and find those things, but some times there just not available," says Romer-Todd.

The winter meetings continue Friday at the Ute Water Conservancy District and will wrap up February 23rd.