Health insurance should be the same way. We SHOULD be paying out of pocket for routine physicals, stitches, medications in many cases, even minor surgeries. We should have HSA's (which this act actually reduces as the govt. doesn't want you stashing untaxed money) that we pay into to cover these costs. That would bring personal responsibility as we'd take better care of ourselves so we wouldn't break down. If insurance were just for the catastrophic claims and similar needs, the costs would be dramatically lower.
that said, this bill is bad because it doesn't do enough. I hate the "its-the-best-we-can-do" line. Why? Why can't we do better? Do we need a 3K page bill filled with hidden taxes? Why do we need the govt. to mandate what type of coverage we need, why not have multiple options...one being a catastrophic plan? Why not allow business organizations to group together and buy insurance in bulk? Why not permit competition across state lines? Why not include a public option, or multiple public options, this way people can choose whether or not they want the govt. healthcare or stick with the private industry? Why not mandate those in congress get the same public option plans offered to the public? Why can't we do vastly more on promotion of healthy lifestyles? I'd much rather pay for someones gym membership than for their type II diabetes care. And god forbid, why can't we stash as much as we want into a healthcare savings account tax free????? If the money is taken out for something other than healthcare than fine, the govt. can tax it then just as they do retirement accounts.