It is true that the federal government should protect us from predatory insurance practices. There should be government support for those the private industry deems "uninsurable" but we have to understand we must take initiative and seek the best plans for ourselves and not leave it to government. The minute government starts meddling too much it kills incentive to improve quality. So yes, in the short run, government mandated protections from barring those with preexisting conditions sounds like it is a good thing. But if government money is there to pay for healthcare, then doctors essentially turn into mechanics looking to bilk you for every service they can think to perform, even if it isn't necessary. My wife is self-employed also and I have no insurance so I know where you are coming from. Sure quasi-free healthcare sounds good at first but I guess I have just bought into the argument that it will lower quality standards overall by stifling the incentive to create new and better healthcare, which the U.S. System is famous worldwide for doing. We don't have a healthcare problem, we have a healthcare funding problem. We have the best care, but no one can afford it. This shouldn't mean that we should have our government force prices down, it should remove all the governmental and bureaucratic labrynth our healthcare must get through to exist. Doctors are provided little protection from tort lawsuits and therefore order many unnecessary tests and this also drives the prices of insurance higher. We must understand that a healthcare system, with some fundamental protections by our government only, would function best in a free market system. Dems are saying now that a free market healthcare system is what caused the problem but we have never had such a thing. Every instance of healthcare has been heavily regulated by the government and inevitably drives prices up and that is not a free market, that is the problem. Obama would like us to forget that just because we had a Republican for the last 8 years we still didn't have a free market. A free market healthcare system, fundamentally regulated to provide protections, would function like every other free market system. It would by its very nature seek out to lower costs while improving quality. Our government has at least up until this point not stifled creativity but they have effectively driven up costs by their mere involvement. So instead of getting newer and newer healthcare technology for cheap we get new technology very expensive. Someone put it great when they said: you know when new technology comes out, like the dvd player when it came out. Everyone knew a guy who had it before everybody else, when a dvd player still cost $400. And he was the only one to have one until they were made cheap enough where more and more people could afford them. The U.S. Is like that guy. We have the new technology first, but we also pay more for it. We need to figure out a way around this but I gurantee government intervention is not the answer. It always has the negative effect. Also under this bill we are going to be FORCED to buy insurance, just to live. Much like we have the privelege of driving so we must buy car insurance. We are blessed with the privelege of living in the U.S. So we must buy health insurance. For the first time in U.S. history we are being. Forced to buy something simply to live here. I agree we need change but this bill is not the answer. This is not what I signed on for when I voted for Obama.