The problem is both this terrible bill and the already failed Obamacare are focused on "insurance" rather than costs of healthcare and drugs themselves. What service do you get in ANY industry besides healthcare where you have no idea how much it costs before doing it? Why isn't there a menu on the wall and cash pricing system like at an auto service center with the option to pay out of pocket? Health insurance should be only for catastrophic events...minor things should like check ups should be out of pocket and have transparent pricing with clinics and doctors competing for business like any other industry. Also tort reform is a must and generic drugs should be allowed. Will never happen though because insurance companies and their lobbyist who wrote Obamacare bill would be cut of the gravy train.