IMO the healthcare bill has a fatal flaw: it will create adverse selection hell. For example, people are required to buy government approved insurance or pay a fine. This will create an incentive for healthy people to buy the cheapest possible government approved health insurance (or pay a fine if it costs less). If these people get sick, they will be able to switch to an expensive plan with lots of coverage. Insurance companies will not be able to deny these people from their rolls due to the ban on discriminating against people with preexisting conditions. Another example, say your healthcare insurance doesn't cover an expensive medication you take but another insurer does. You could simply switch to the insurer that covers the medication and stick them with the bill. A few likely results?: A homogenization in insurance plans available. No insurer will want to offer a plan with more coverage than their competitor because sick people will immediately sign up for that plan. Bankrupt insurers due to adverse selection. A continuity in the increase of healthcare costs as % of GDP. etc ----- thoughts?