Correct, it is a Health Insurance bill because the structure of the US healthcare system is rooted in insurance as the primary vehicle for most people to pay for medical costs coupled with a massive attempt to burden it with so many holes and weaknesses that its not as effective as it could be. So you have three choices...
1: Scrap it 100% and start over with a nationalized healthcare system (which will be a HUGE fight and doesn't solve all the problems either. But it would be a big step in closing the gaps)
2: Have a real rational action plan regardless of who earns less that fixes the problems (a dream that will never work).
3: Attempt to level the playing field by going after the insurance factor so everyone has the ability to be covered and keeping the existing system in place. (the only one that doesn't scream of "socialism", which for some reason this country seems to have a bug up its ass about and thinks its a dirty word.. (Medicare anyone? Medicaid? SS? Welfare? Government Scholarships/Grants? Public Schools?)
It does a lot for the current healthcare problems we have.. its not a band-aid on a gunshot wound.. to keep your analogy, its akin to a gauze patch over same said gun shot wound.. Better.. but its certainly not going to fix the big picture.. but mostly because there are many of forces that DON'T WANT IT TO CHANGE.
You think the health insurance firms that make trillions from this WANT this to change? (and lobby quite actively to not change by the way)
You think the doctors that get rich by simply over-billing insurance want it to change? (again, unions that fight this because they have to do the same level of work, but get less money because of better accountability)
You think doctors who go into medicine to make money first and heal people second want it to change?
You think the medical device and other services/product groups who are making billions/trillions on this want it to change?..
get real. Its a money game pure and simple and everyone wants it "better" so long as I don't have to pay for it.
I can certainly say as a world traveler that the US system is insane.. I've lived in Japan, Taiwan, the UK, Hong Kong, and France... and in general.. insurance is a supplement so everyone.. even the poorest of the poor can use to stay alive. Obviously if you have money and want to bump up quality and speed, you fork out some cash (insurance, direct payment, etc..).. its akin to First/Second Class Mail vs. Fedex. You want it CHEAP.. you go postal Service.. you want all the bells and whistles and can afford it.. you pay up. I know my retirement plans do NOT include the US for a lot of reasons.. but this is certainly one).