Sorry to be so late in answering your question - just found HUB. I, for one, am not insured under "normal" insurance programs. A retiree, I am insured through Medicare and do not carry any supplements at all. I "self-insure" which means that when I get a medical bill I pay it out of my own pocket. I may not pay the entire bill at once instead I pay what I can afford each month. Currently, I am paying approximately $300 a month on a number of different medical bills. This is far less than what a policy would cost. If I was insured, I would have a deductible to meet, would have a co-insurance amount to pay and would also have to pay monthly premiums - in the long run - self-insurance is a much better way to go.
Employers would also be better off if they self-insured rather than paying expensive premiums for their employees for insurance that probably doesn't even fit their employees' medical needs. If employers understood the benefits of self insurance, they would also understand that there are more tax incentives for them under self-insured vs insured plans.
I have been a benefits professional for years. In all my experience, I have found that most people do not understand how their insurance works, just what benefits they have. Even under Medicare, many people do not understand that they are covered for preventive care - the most important care a person can get.
To get back to your questions - what do I think of health care reform? I think we should focus more on health care education and teach people how to maximize the benefits they have and how to best use and not abuse the medical system.
Be careful what you ask for - because you just may get it. I don't believe that health care run by the government is the way to go.