I would like to make a prediction. If the healthcare reform legislation currently on the floor of the House of Representatives is passed, healthcare costs will rise, and Republicans will say that it is because of the legislation forced through in a very partisan way by the Democrats. On the other hand, if the current bill is defeated, healthcare costs will increase, and Democrats will say that it is because of Republican obstructionism that blocked the reform that was needed. Either way, costs are going to go up, and somebody will get the blame. That's called spin, and it's one of the things I hate about politics (others including, but not limited to, the corrupting influence of money and the character assassination committed upon opponents).
My personal opinion (it's worth what you pay for it) is that the Democrat bill will do more harm than good by doing two things (setting aside for the moment the evil of Government-funded abortion). First it will start us down the road to a system of nationalized healthcare in which attempts to control costs will be made by bureaucratized boards who effectively ration care. These are the famous "death panels." They won't explicitly condemn anyone to death, rather they will rule that your loved ones don't qualify for the medical treatment that will extend their life. The second harm of the Democrat-favored reform is the damage it will do to the already fragile economy, in the form of increased taxation.
That's not to say that we should do nothing. We need to address tort reform and pre-existing conditions. There are, of course, details that would need to be worked out, but I see no reason why such focused and limited reform cannot be drafted and enacted in a bi-partisan fashion. The cost of premiums would be adjusted by market forces to accommodate the new coverage requirements.
Unless, that is, some of the politicians controlling the process are only really interested in feathering their own beds. If that is the case, then our only hope is to defeat them completely.