Yes, just say no is exactly what you need for a bill like this. We don't need a trillion dollars of spending just to fix the system. Don't "fix" the system with spending, just draft legislation holding insurance companies liable for what they agree to when entering an agreement with a policy holder. It won't cost us anything, except paying the legislators to draft it. Instead, what we have is a bill full of earmarks, back room dealings, and special deals. Its completely rediculous, and it comes at the cost of all tax payers.
And again, it goes back to personal accountability. With over 1/3 of Americans either overweight or obese, its no wonder insurance companies are in the position they are in. Americans are as unhealthy as ever, its no wonder insurance companies aren't being held accountable, because Americans aren't even holding themselves accountable for their own actions. Insurance is a calculated gamble, plain and simple. Tell me, would you go to the horse track races and put down $100 on the fattest horse you could find in the field? Didn't think so.
Take care of yourselves, and you can mitigate most of your health issues.