Let me help you out and tell you that Obama lied every time he opened his mouth when he said that if you are happy with your health insurance you get to keep it. He must have had thousands of meetings saying this. I will now prove it. Insurance companies will be required to accept people with pre existing conditions so therefore they will have to make up the difference somewhere along the line with healthy individuals. Many individuals will pay the $95 to $2000 dollar fine because it is still cheaper than most insurance plans at this point. Companies will go out of business for various reasons one would be higher taxes and others will no longer carry insurance. I also think the 85% ratio I am reading about on the internet will put some insurance companies out of business. See my other thread for this one. Another problem here is medical care. People may have health insurance but the medical care will change drastically through doctors retiring, moving to another country, etc so medical care won't be as good and people will lose their doctors and services that they may be pleased with.