I am completely fine calling this a "health insurance reform" bill.  I agree with Brian Unger on this.  It is not a "health care reform" bill.  That would require many more reforms

But these reforms of the insurance market result in a Universal Health Care System.  The system isn't a public one, but one run by private insurance companies.   Never the less, it is very very very close to universal coverage.  It is the system proposed by Clinton, Edwards and Obama.