health insurance reform

I just don't understand why everyone is talking about health care reform when it is the insurance and not the care that is the problem. First of all, what is a pre-existing condition? Isn't breathing a pre-existing condition since I have been breathing since way before I ever tried to file a medical insurance claim? All I know is it annoys me when I go to the doctor's office and pay an insurance co-pay and then get another bill for the same visit in the mail because the insurance company didn't pick up the rest of the tab after all. I'm not saying I have the answer to the problem, but I am saying there is a problem and it needs to be fixed.