How hard is making affordable health insurance available? Really how hard is this?

OK, this health care overhaul thing is just taking too long and morphing into something nobody wants! Really, when you distill it down, it amounts to making some kind of health insurance available to people who would be unable to otherwise acquire it (people whose jobs don't pay health insurance, and can't afford thousand dollar premiums etc), because nobody benefits from people who can't pay their medical bills. And if we don't want the government providing/managing it, that's understandable. So we handle it privately. No one can argue that what we have is working just fine, not when we have people with huge medical bills, and are unable to get coverage they can afford. Those lucky enough to have insurance paid by their employer, fine. What do we do with the others? Throw them under the bus? Shouldn't this be a no brainer? What's the hold up? How hard is health insurance that the average person can afford? Isn't that better than people not paying their doctor bills or going broke doing it (and thereby costing us money in other ways)? Surely an objective (private interest free) collaberation between the govt and insurance providers should be able to do this! Anybody have any insight into what the hold up is?

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