good that you've got your shit straight and are asking the important questions, ace--how will the insurance companies react?
it's a bit mysterious that you don't seem to pay any attention to any of the....um....medical situations in the states that call out for the reforms, no matter how watered down they may be by the obama administrations mistaken approach that had them taking seriously what conservatives said. stuff like this:
http://www.amnesty.org/en/library/as...10192010en.pdf
maternal mortality rates have gone from 6.6/100k in 1987 to 13.3/100k in 2008. the problem, as this report makes clear, is really the radically unequal quality of care afforded different populations in the united states under the system that's being changed.
so these are people dying in childbirth. there's lots of other examples. but clearly the question is how the insurance companies will react.