I have no problem with "grandfathering" in change, but I also like the idea of tort reform. I always have.
However.
I have said a few times that I think the best answer to the US problem would be a very firmly regulated insurance industry, rather like Switzerland. Switzerland also has required purchasing of health care from several companies, who essentially are restricted on what they can do, and what they must offer. In other words, while there are different packages available, health care items deemed 100% mandatory are always covered.
One of the big problems in the US was caps. As I understand the issue (and given the complexity, I do not claim I can be without error), insurance companies claim that they had to cap insured people because of profitability. That's fine - I can appreciate that insurance companies have a duty to their shareholders. So the option was to get more people insured, especially younger people, to allow the insurance companies to make more money, and eliminate things like caps and the desire to turn away people with critical illnesses.
Given the average American's resistance to government programs and the way Medicare has gone, I don't necessarily think a full state-run option is a good idea. The public option intrigued me, and I think it could help if it was run exactly as a company, with very strict government regulation on what the government can and cannot do (let's look at Freddie Mac and Fannie Mae and learn some lessons), but I doubt that could happen. I feel I can trust certain governments to be responsible, but the American government's not one of them. I think that there's a culture in the United States that runs against that, and maybe that's one of the things that is different from Europe to the United States: in the United States, a lot of people want the government to stay out of their business, and in Europe, they want them deeper.
So, I really do think that insurance companies should be regulated strictly. I think everyone should have to buy insurance, and the government can provide tax incentives for poorer households to make this happen. There's definitely a place for tort reform in there as well. But in the end, it's gotta bring costs down.
As an aside, it should be noted that increasing the health of people during their working years will help cut Medicare costs too.
ANYWAY.
All that aside, if the SCOTUS decides that the health care law is unconstitutional, the government will have to go back to the drawing board. I have some ideas on that, but I'm not going to get into them, yet. However, what the Democrats put forward is still better than what existed, even if not much better.