The shared starting point for Congress' and President Obama's efforts to reform the nation's health insurance system is that the current system is not financially sustainable.
There is a consensus that neither the federal budget nor the national economy can afford the relentless escalation in both health care costs and the added costs of private insurance to manage the risks and administer the payments and accounting systems.
As care and insurance costs rise, fewer businesses will be willing to provide employer-based insurance, fewer individuals will be able to afford private insurance, and the federal government will become unable to sustain the yearly increases in the cost of federally sponsored care or insurance. So fewer Americans would be covered at work, and the numbers of uninsured, underinsured, and fraudulently insured would continue to grow.
So the question we have to ask is whether the "reform" bills solve this downward spiral?
Looking at the emerging Senate bills, it is hard to see how the underlying conditions driving this imminent crisis would be alterered in any fundamental way. Assuming the best of the combined Senate bills emerges, it would accomplish the following:
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