[gdpawel]

"I think if the reformed plan covers over 97% of the population, there will be less emergency room visits and ER bills (which usually triples the costs)."

Aye! Very good point and fits very much into the health care reform equation. People WITH insurance may not realize that their added premium cost includes a lot of those uncompensated emergency room visits by people WITHOUT insurance. The health care reform bill will help to prevent the passing on of uncompensated costs to the insured population.