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There is a huge unutilized market of some 50 million people who are not paying insurance premiums and the number grows every year because employers drop coverage and people can’t afford premiums. Solution? Health insurance reform that wants everyone to turn over their pay to Wall Street. This is just another bail out of the financial system, because the tens of trillions of dollars already decided upon are not nearly enough. The health reform bills now coming through Congress are not pinpointed on how to make health care cheaper or more effective, how to eliminate waste and fraud, or how to cut out expensive middlemen. As originally versioned, the public option would have pursued those goals. But the public idea has been dropped from the senate bill and radically watered down in the House bill. Rather than targeting on making health care affordable, the bills focus on how to force people either to buy health insurance if they don’t have it, or to pay more for it if they do. If you don’t have insurance and purchase it, you will be subject to a hefty fine. And if you do buy it, premiums, co-pays, co-insurance payments and deductibles are the ones which keep health care expensive.