The current health-care system gives insurance companies all the power. They get to pick and choose who gets a policy. They can deny coverage because of a preexisting condition. They can offer coverage only at exorbitant rates — or offer coverage so thin that it’s no coverage at all. Americans are left to worry about whether they’ll get laid off and lose their insurance or wake up from surgery with a $10,000 bill because they didn’t read the fine print on their policy.

By giving Americans choices, health reform will switch the roles. Americans will get peace of mind and insurance companies will start getting nervous. They will know that if they don’t deliver a great value, their customers will flee. So they will start offering better coverage…

Consider the entrepreneur sitting at her desk, dreaming about her idea for a new business. Right now, many entrepreneurs are paralyzed by our fractured health insurance system. They know that if they leave their job, they might not be able to get insurance for their families. So they, and their innovations, stay put. Health reform means unleashing America’s entrepreneurs to chase their big ideas.