Pandemonium After Warning From Insurers

Dems scramble after warning from health insurers:
"WASHINGTON (AP) - Insurance companies aren't playing nice any more. Their dire message that health care legislation will drive up premiums for people who already have coverage comes as a warning shot at a crucial point in the debate, and threatens President Barack Obama's top domestic priority."

This whole debate over Health Care Reform, or whatever it's being called today, has me totally confused. I'll try to put my thoughts down in a bullet list so that I can attempt to make some sense of it all.

• There are five bills
• No one in congress can read them because they written in arcane legalese
• Most of Congress are lawyers and can read
• Congress' job is to enact laws by creating and passing bills
• If congress didn't write the bills that they cant read, who did?

I'm So Confused