I found that the author did a very good job of laying out the issue; which is that too many in the U.S. are without healthcare and why that is happening. The author did describe the issue well of the impact of anti- selection and underwritng in the insurance market. The author's solution does seem to miss the target because it does not recognize how hospitals bill different charge levels today to different payers. Nor did it recognize that many healthcare firms do not reinsure coverage today, thereby a program as suggested would be adding adminsitrative burdens on those carriers. The book is a relatively easy read at 147 pages.