Hi! I have a lot of thoughts actually, but it's a complicated and not so easy to solve issue. I'll start with this: I'm not American, and I live in a country with a fairly good healthcare system. It's not perfect, but it has some key points that any healthcaresystem should have.

First, I believe everyone should have healthcare. You can never know when someone falls ill, and medical costs are on a constant rise. While I think there is something to say for a medical savings account, I believe that a system incorporating that will be flawed. You simply can't trust people enough to think everyone will be responsible and save up for medical costs. Also, there's a big population making ends meet as is, and won't be able to put a lot of money in a medical savings account. Not enough to cover major medical costs anyway.

So, everyone on healthcare. It's the only way to reduce huge costs for consumers, and providers know they'll get paid. Also, the only way to keep monthly prices low is to have everyone chip in. I live in a country with mandatory healthcare, so you get a fine if you're not insured. Although this seems weird, I think a country like the US needs some incentive to get people to actually get some insurance. People are egocentric, and will do whats best for their own bankaccount, but the government need to look further, so I think the fine is...fine.

Second, I think Obama was spot on with his minimal requirements for an insurance plan. If Cruz' stupid amendment will get through, insurance companies will have a pricey plan with all the requirements to comply with the amendment, but the cheaper plans will cover much less. Which will cause poor people to still have shitty insurance. Obamas list was very, very conservative, when you compare it with countries with reasonable health care. In my country you have a basic insurance, with requirements set by the government, on which you can add extra insurances. But the basic insurance is the same at every insurance company, and because of market stuff, the prices don't differ all that much. Sure, that means everyone pays for basic insurance which will include stuff you won't need, but it's impossible to make plans for every individual and this way the cost stays low.

I think the system in the US is way too complicated, and Obama was making a good start to shuffle things. I currently pay my insurance company roughly 120 USD per month, for full coverage including dental, and everything you can think of. I also pay certain percentage of my income as tax, which is used for care provided by government (long care home facilities and such). Low income houses get monthly help to cover those costs. I think thát works just fine.

Sorry for the wall of text, I hope it makes some sense. I would advice you to read up on healthcare in countries concidered succesfull on this subject. See this recent assessment.