Rob, You have done a fine job with your question. But the blame should and could be a bit more spread out amongest the Legions from both Political Parties, and the self serving Corparate Managers.
Let's look at just the attempt to maybe pass Health Care Reform. Insurance Companies and Drug Companies seem to have spend enough lobbying monies against this reform to reduce the costs of medical care for almost everyone, with out any true changes to the way medical care is already run.
As I see it I'm very fortunate to have insurance, I recieve about $1,600 per month. When yours, mine and everyone else who pays for their insurance is covering the cost of those who can't or won't pay, something is wrong here and this problem isn't even covered in the alleged reform.
And Rob I hate to say it, but, all these folks are already too entrenched.