Insurance rates for everyone are going to rise without the bill. As they are doing now, exponentially, and have been doing for decades. The insurance companies don't need the excuse of more taxes to raise their rates. The only excuse they need (and use) is that they want more money and bigger profits. However, in the Senate bill, there is a cap on the percentage of the money they take in from those they insure that can go to toward things that aren't the provision of health care (and this percentage is lower than the one that exists currently). That means that there is a limit on how much of the premiums they can use for things like taxes (and profit, advertizing and lobbying costs, corporate jets and other expensive executive perks). This provision is one of the things I like about the bill.