Etc.

With Democrats like what we have in Congress, who needs Republicans?

By the way, George W. Bush signed the extended benefits program for UI which created the four tiers.
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Democrats acting like Republicans isn't limited to Congress, as Obama showed with the contraceptive debacle:

The deal offered by Obama is based loosely on regulations in effect in Hawaii and three other states, which require insurers to provide birth control “riders” for women who work at religious-affiliated institutions. Presently in Hawaii, these women can still get coverage at the price their employer would pay, but neither the employer nor the insurer is required to pick up the tab. Under Obama’s plan the insurers would be required to pay for it.

However, questions remain about how the regulation would be implemented in practice. As religious-affiliated employers would not be required to inform their employees of the availability of the coverage, women might be unaware that it was being offered. It is also not a given that insurers will voluntarily provide the coverage, although the Obama administration claims to have the authority to compel them to do so. Nor is there a clear mechanism to prevent insurers from passing on costs in the form of higher premiums.