In news from Capitol Hill, debate has begun in the Senate on the Democrats’ plan to overhaul the nation’s healthcare system. On Monday, the Congressional Budget Office issued a report saying the Senate bill would significantly reduce costs for many people who buy health insurance on their own but that premiums will not substantially change for the vast numbers of Americans who receive coverage from large employers. The CBO report contradicts assertions by the insurance industry that the average family’s coverage would rise by thousands of dollars if the proposal became law. The CBO did conclude that health premiums would go up for a portion of the population: the 14 million Americans who buy their own coverage and earn too much to get proposed subsidies.