>I would just drop the pre-existing condition clause and maybe automate more of the record management to avoid unnecessary repeating of some expensive testing where it makes sense (ct scans etc).
>Provided a company offers coverage, I think the ratio of healthy vs sick people in a company is maybe 80/20. If we can extrapolate this to the entire population , I dont see how healthcare is not affordable even for the unemployed individual ( pre-existing condition being dropped).
>Also, some states offer high risk pools with affordable premiums ( max 400/month for PPO in network etc).
>So I dont think the reform is needed but just some tweaks, especially the one about pre-existing conditions.

The biggest hurdle is getting younger healthy people to get insurance. That would drop the costs down tremendously. Here, there really are folks who choose not to carry health insurance - even when it is provided by their employer and they pay only a portion of the premium.