The biggest problem is that it continues to discriminate against those with pre-existing conditions. It creates a high-risk pool, which is essentially the same as the high-risk pools created by the ACA to be used prior to 2014. The problem is that the people accessing these pool are by definition unhealthy, i.e. expensive. That's why premiums for high risk pools are twice as much as typical insurance.
What you want to happen, simply cannot happen if you want to be fair to anyone.
IMO, this bill helps with the costs of high risk patients, much more so than our previous system, and in a more reasonable way than Obamacare.
But, the fact is, those that run up more costs in medical care will pay more premiums for insurance. The only way you mitigate that is if you do what Obamacare is doing, and heavily unbalance the use vs. cost ratio. You HAVE to charge the shite out of completely healthy people to pay for the costs of unhealthy people. That, inherently, is wrong. Not all unhealthy people are innocent victims. Many unhealthy people (obesity, diabetes) is brought on by the individuals choices. Therefore, if they spend months out of the year in a hospital, they should be paying more than those that spend zero days in a hospital/year.
Naturally, as we get older, our bodies start to fail, and then our medical costs go up. That is the beauty of HSA's. Put in now, while paying high deductible plans while you are young and healthy, and then, when you need the coverage, you have it set up for you.
This bill addresses those that are already in bad health needing help, much like Obamacare, by setting up monetary allocations. Those funds eventually will be depleted and those with HSA's will not need it. Plus, medicare already covers most of these issues.