Healthcare Reform

I don't "get" how critics of healthcare reform come up with all the supposed huge new costs related to any healthcare reform legislation--regardless of the specific plan or implementation.

Our current system is so broken that the millions of insured Americans already pay for the healthcare costs and medical bills of the millions of uninsured Americans indirectly. When you are uninsured, you can't afford so you simply don't visit your doctor for routine, preventative care. The delays in providing proper medical care upfront costs everyone much more in the end than if that same person were insured and had sought timely care from the get-go. Uninsured Americans regularly use hospital emergency rooms for routine medical care because they are the only option available to them. This overloads hospital ERs for people with more urgent care needs and runs up huge and unrecoverable costs for the hospitals. Naturally, these costs are passed on to paying, insured customers in the form of higher premiums and other systemic costs.

So in the end, doesn't any healthcare reform that insures more Americans--whether it includes a public option or not--save money in the long run? Where's the extra cost and what's the problem?