Do you really believe that insurance plans that now have been forced to go to high deductibles like $5,000, $7,500, and even some $15,000 per person, and that only have to pay 60% of costs will be better than that bottom 10% just going to the ER and leaving the other 90% out of this mess? This began changing private plans, FOR THE WORSE, about two years back, as they braced and moved things to maximize profits. Those under 40 will not sign up. And everyone else is screwed over. This idiotic plan will help such a minimum of the population, that no one should have passed it without major changes. It will be a disaster.