Health care reform: we don't need Electronic Medical Records, yet access to affordable care!

As someone who works in the healthcare industry, I totally understand the benefits of EMRs.  But, who will pay for this?  And who will really benefit from this investment?  It is true that it is an inconvenience to fill out forms at every point of care, and it is true that Emergency Rooms providers will have instant access to  the patient's health information.  But who else will be seeing your and my records?  What about privacy? This will be a perfect tool for insurance companies to reject consumers for 'pre-existing conditions'.  And we, the tax payers, will be paying to make hospitals more efficient?  And what about the small healthcare providers - solo physicians practicing privately - who will help them pay for the cost of buying, implementing and maintaining the software and the interfaces? If this is to be a comprehensive measure, every single healthcare provider, large and small, would have to be included.Furthermore, I'm not clear what jobs will be created with the national implementation of EMRs.  The software for Electronic Medical Records (EMR) or Electronic Health Records (EHR), however you call them, already exist; if anything, IT professionals will be hired for the installation and implementation; however, once installed, these programs only need a handful of people per organization, the most, to keep them running.
The concept of EMR is great and an important improvement for the delivery of healthcare, but this is NOT the Change we, the people, need right now. What we DO need is strong regulation and oversight over health insurance companies - they overcharge consumers and underpay providers; they limit or deny coverage, thus making it more and more difficult for doctors to deliver the quality and type of service they were trained for and are eager to provide.