That's all fine, and I approve of the concept.
As for the tax credit to get lower income families to buy insurance, that’s a lot cheaper than the current system that lets lower income families use emergency rooms at several times that cost (also paid for by us).
The solution to a problem is not to continue to feed the problem. Cut 'em off - most of the so-called "low income families" are just welfare scammers, working under the table and gaming the system to get their earned income credit and food stamps. And, of course, there are the illegal aliens that should not be getting anything for free.
Well, I agree that many of them are welfare scammers. They’re scamming the system as it is, however, and this might give a little more accountability at a lower cost.
As for illegals, I have never understood why their home countries can’t be billed for the health care they receive here. If the countries refuse to pay up, then take it out of their foreign aid.