I say this because a person should not have to pay ridiculous prices for quality care and I like knowing that when I have to sign up insurance, I will have more protection against discrimination since I am a woman. And it's unfair for certain groups of people to pay higher rates because they're considered higher risk for something that may never be a factor. If they are found to be high risk due to their behavior, lifestyle or deteriorating condition, then prices should increase. The problems that could arise from health care reform would be religious tensions due to contradictions between law and morality. Another possible problem could be that employees are paying more for their health coverage.