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I am every single day talking with and working with people in my district who are seeing their health care insurance costs go up five times, 105 percent, 300 percent, that are getting pay cuts, that are losing 40-hour workweeks, that are having to work two and three jobs.

Here in Indiana, we run a nationally-recognized program called the Healthy Indiana Plan. The Healthy Indiana Plan offers the uninsured an affordable health care plan with savings accounts that they control.

When I came to Congress, like our first panel, small business people, 64 percent of the people had health insurance. We'd buy it. Now, we're down to about 34 percent. That's why we have to do something on health care in this country because the cost is killing us.

Healthcare costs are rising, and not just Medicare and Medicaid, but healthcare in general.

I am of the view that the Affordable Care Act will be a transformative piece of legislation that can lower the cost of health care in the United States - perhaps our greatest fiscal obstacle - and help all Americans lead healthy and productive lives, free from worry that a single illness could mean ruin for an entire family.

Health care's like any other product or service: if the consumer is in charge of spending his money on it, then the market will make sure that it is affordable.

I understand that in these difficult economic times, the potential for any additional expense is not welcomed by American businesses. But in the long run, the health insurance reform law promises to cut health-care costs for U.S. businesses, not expand them.

Competition among insurers would bring down the cost of health care insurance, just as it brings down the cost of car or homeowners insurance.

What people are seeing is that the cost of their care and their insurance is going up faster since Obamacare has been passed than if the healthcare law had not been passed at all.