How can we be sure that bankruptcy from medical expenses is outlawed? Why isn't Cobra built into unemployment insurance? Why can't healthcare be a given, rather than a purchased commodity? Employer based insurance is obsolete, why not begin a phase out by incorporating company plans into Medicare and keeping the insurance company as a supplement? I have little faith the hodge-podge being developed or rather watered down by the Senate stands a chance to be effective; especially for those on the poverty line.