A few problems with your argument..
First, BILLS WON'T GO DOWN. Sorry, but according to my own insurance company (BCBS), and the government's own projections(GAO) the bills will increase 6-8% every year. The "collapse" of healthcare in unavoidable unless the fed's nationalize it (UK), regulate it (Japan) or tax the hell out of citizens (France).
http://www.progressnownm.org/blog/2012/05/health-insurance-rate-hike-on-poor-rural-nm-go-into-effect-while-insurer-hoards-billions-in-profits.html
Secondly, the AHA does not lower the cost of providing care - it hugely increases the number of billing codes (simple laceration instead of chicken strike, check peck, accident while playing a brass instrument, etc) and creates more paperwork. It does nothing to curb the HIGHEST GROWING COST in medical care - which is administration! Highest in the world I might add.
Huge administrative costs.
http://economix.blogs.nytimes.com/2008/11/21/why-does-us-health-care-cost-so-much-part-ii-indefensible-administrative-costs/
GAO reports premium increases related to ACA:
http://www.gao.gov/assets/330/322337.html
The government already knows how to run a good healthcare system - the VA. It used to be awful 30 years ago, but now it is a well run system. They also run medicare/medicaid which has always been terrible. They choose a medicare system over a VA system? That makes no sense...
If they wanted to use the interstate commerce clause, they could have easily regulated the COST of healthcare ala Japan. They can regulate the price of grain, how is that different from bandaids? Japan regulates every procedure just like a state PUC regulates the price of electricity. The PUC is politically responsible, and the state can be held responsible by the voters for high costs. Under Obamacare there is little political responsibility or accountability for healthcare cost. Only the ability to limit increases to 10%.. How is this responsible? At 10% rates can double every 10 years! Plainly, you can't vote for a cheaper rate EVER, only lower increases.
Honestly - this is political lobbying turning public insurance into a PROFIT. I predict that 15 million middle class families will DROP insurance and pay the tax, while 30 million lower-class families will gain insurance so relatively expensive - that when necessary - won't cover squat when they need it most.
Duke on the "quality" of lower-class insurance.
http://scholarship.law.duke.edu/faculty_scholarship/2371/
It will do nothing to curb the number of bankruptcies caused by medical bills - which is the greatest cause of bankruptcy. In fact, by requiring insurance, it may cause even more bankruptcies. Following the model in Massachusetts, bankruptcies did increase, even after controlling for economic and market fluctuations.
http://healthcarecompact.org/blog/2012-04-02/lessons-massachusetts-bankruptcy
So tell me again, HOW, HOW is this going to help anybody? How is this not PROFITEERING on the public?
I've read every page of the bill, I've talked to insurance agents and doctors. I've written my congressmen. THIS IS NOT A SOCIAL GOOD. I don't care if you're liberal of conservative - unless you own a hospital, drug company, or collection agency this bill is utter profiteering.