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2. You are welcome to donate your money to whomever you choose. However, you are not welcome to stick a gun at my head and demand my money.

What is interesting to me about my scenario is that the practical effects of a given “reform” plan have more to do with things like the magnitude of fines and other smaller features than the features of the system that much of the debate focusses on. But perhaps that is inevitable with 1000+ page bills.

I wonder if it has occurred to the people who continually make this argument (that young healthy people will be overcharged) that old sick people, for the most part, used to be young healthy people. One might think that the fact that the proposed reforms would all help young healthy people actually keep their coverage once they become sick would bear mentioning.

I'm further baffled as to how this would be worse than single payer – don't healthy people subsidize sick people in a single payer system as well??

Why the O bombed on health care. WSJ. No, the public isn’t stupid.
NY Post – Reform horrors: The O’s total disconnect
Via Wilkinson:

I actually think we are going to get a reform that is both worse than the status quo and worse than a pure sing…

1) Cost control is the second step of this two-step reform of health care. Cost control won't happen for another 3-4 years, probably. (Sure there are some baby steps in this iteration of reform, but only baby steps). The system has to be about to break. Then, citizens will say “don't take my health care away!”, politicians will say “we must fix this system” etc.

2) Liberals believe that subsidized preventative care is crucial to improving health outcomes. That is in tension with the notion that citizens should be exposed to non-catastrophic health costs.

The tension is not irresolvable. In particular, if “excessive” non-catastrophic care can be left up to the wallets of citizens, but things like physicals and other useful preventative care can be subsidized, liberals will probably be happy. But that is not your scenario, it is just a scenario describing a particular kind of permanent insurance coverage.