Stay away from the parts preventing insurance companies from excluding pre-existing conditions! The day you allow insurance companies to exclude pre-existing conditions, you are basically giving insurance companies carte-Blanche to say they won't cover anything that matters---that of an American citizen is sick, they aren't allowed to have healthcare coverage. You're telling the world that you would rather have your own citizens bankrupted by their healthcare---or die of treatable illnesses. That is NOT the message you want to send to the rest of the world. Letting your own citizens die of treatable illnesses does NOT make you a leader of nations! --it regresses you to the status of a third-world nation.