Health Care Reform?

I've always backed it in principal, of course, but I just looked at my paycheck in detail, so I could back up my vague assertions.

I pay about $5k/year for health insurance; my employer kicks in another $15k/year. So between us - $20k/year. Wow. And I'm supposedly lucky, because this plan might actually cover stuff if it happens. (They should, since they've pocketed $20k/year each year that all four of us have been healthy!) And this makes sense to someone other than the insurance companies, as a good way to run things?