So where you been for the past 6 years, Rand? This just sounds like a rebranded version of Obamacare with some possible improvements (or not).  You could have been waving these improvements around for years, like when you ran for the nomination, rather than just cooking something up at the last minute.

If my company bands up with 10 others to create a pool, we're going to demand that each company can only hire young, healthy people to keep all of our rates down.  Will your plan address that?