Competition among insurers would bring down the cost of health care insurance, just as it brings down the cost of car or homeowners insurance.

From cell phones to computers, quality is improving and costs are shrinking as companies fight to offer the public the best product at the best price. But this philosophy is sadly missing from our health-care insurance system.

Furthermore, we believe that health care reform, again I said at the beginning of my remarks, that we sent the three pillars that the President's economic stabilization and job creation initiatives were education and innovation - innovation begins in the classroom - clean energy and climate, addressing the climate issues in an innovative way to keep us number one and competitive in the world with the new technology, and the third, first among equals I may say, is health care, health insurance reform.

Fully 57 percent of American college students are women. Life insurance companies sell more policies to women than to men. As women continue to draw on experience and education, they're accelerating their numbers in upper management, too.

Americans have an abiding belief in their ability to control reality by purely material means... airline insurance replaces the fear of death with the comforting prospect of cash.

Americans are free to choose everything from what they eat, drive and watch on TV to the President of the United States. Yet, when it comes to allowing Americans to choose the health insurance that works best for them and their family, the freedom to choose suddenly becomes un-American.

America doesn't have health insurance.

Each State has its own health insurance mandates, and some of them are good, but there are about 1,800 of them all across the Nation, including provisions for acupuncturists, massage therapists, and hair replacements.

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But you say, does it represent change? The change is that we are fighting an insurance industry that has killed health reform for generations. They're spending tens of millions of dollars right now to defeat this bill, and we're on the doorstep of winning a great victory for the American people.

Americans want and deserve a broad array of health insurance choices so they can identify those that best fit their own individual or family needs. These choices expand when we allow free enterprise to foster innovation, not smother it with taxes and one-size fits all ideology.

Everyone should have health insurance? I say everyone should have health care. I'm not selling insurance.

Do you know what the overhead is of the Medicare system? One-point-zero-five percent. Do you know what - private insurance is 30 percent in overhead and profits? Given a choice how I'm going to improve health care, I'm going to take it away from private insurance profits and overhead. Wouldn't you?

And in terms of their crown jewel legislative achievement: who knew that when asked, 'will government impose a new federal mandate requiring middle class Americans to buy health insurance whether they can afford it or not?' The answer would be 'Yes we can!'

For many years I didn't have health insurance.

Five thousand people every day lose their home because of a medical bankruptcy. Most of them had insurance.

And I have to say, what motivates me every day and I know my Democratic colleagues is to remember that every day 14,000 people get up in the morning with insurance that go to bed at night without it and most of them because they lost their job.