Twyla Grace is the Head of Citizens Council on Health Care in Minnesota and is a recognized Healthcare expert discusses Congressional healthcare reform activities.  The current Congressional discussion is focused on health insurance reform. There are 3,000 "shall"s in the Bill which create an extensive structure of mandates.  The individual is to purchase "insurance" as that is defined in the Bill.  If he doesn't then he is required to pay a penalty which is enforced by the IRS and may include jail time. The mandates enunciate a standard for healthcare which allows the government to run the insurance industry and medical system. As currently articulated, this Bill will cause the loss of freedom of choice over types of insurance; loss of a citizen's right to control the amount of money spent for a purchase; loss of privacy as a tracking system will be created through a National Medical number; and, a loss of the choice of a health savings account option which was tax free.