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Look what happens when the Senate Finance Committee members try to cram reform into the existing private insurance model . They expect an individual or a family with an income of 300% of the federal poverty level to pay 15% of their income for the premium alone, and for that they receive a plan that covers only 65% of the actuarial value of their health care services. They would require Americans to pay to private insurers a premium that they can't afford, to purchase an underinsurance product that would fail to prevent financial hardship should they need health care, and to fine them should they fail to comply.