I don't know why anyone would think that the people who are involved with writing the various bills in the House and Senate haven't already examined the situation as it exists now, and aren't already working out who would be covered. This is precisely what they are and have been doing, so those are non-arguments.

I would add to the "pay or die" equation, also "pay and die", since insurance companies regularly deny needed care to people who have already paid them to be covered.