RubySlippers:
I have to comment and I do this to ask Republicans and those that don't like the new law, how are poor people supposed to get health care and I mean regular care for chronic conditions. To prevent them from getting so sick they need to go to the hospital for mandatory care.
Depends on how that given republican feels about levels of government interference.
I think most Republicans can agree with silveroak that enforcing government regulations to prevent people from getting kicked off their insurance plan when it's financially convenient to the insurance company is a good idea. Or they would if silveroak were a republican, anyway ;P
Now the question is, should the federal government be in the health insurance business, and to what level. Given your feelings on that, I can see three different answers:
1) Do what people have always done. Fall back on family, your employer, your church and your community. This has always been the traditional response for people in times of need.
2) Get your state government to create the welfare insurance program you have in mind.
3) Create a federal insurance voucher system permitting people to shop around for the insurance company that best matches their needs (permitting free market competition), but make sure the person isn't ever handed cash, and the government is never given the duties of running an insurance company.