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This is a very good article. I would only suggest that there are THREE things that guarantee the failure of ObamaCare and Ryan's bill:

1. Guaranteed issue.

2. No lifetime coverage limits.

3. Community rating.

Either one of these would cripple an insurance pool. The combination of both of them is a disaster. The Federal government is telling insurers that they have to: (1) sell health coverage to everyone without regard to their health status, (2) there's no limit to the amount of money the insurer will have to pay out over the life of the coverage, and (3) they have to charge their highest-risk customers the same as those with minimal risks.

This isn't "insurance" by any stretch.

I was watching a Facebook feed of Trump's listening session yesterday. The comments were scrolling past very quickly, but one person posted a great comment in which he/she asked why insurers aren't even given the option of offering plans that include lifetime caps, exclusions for pre-existing conditions, etc. As this person said (I'm paraphrasing here): "Mr. Trump, if you were constructing a building you'd never use a concrete supplier who won't tell you how much his materials will cost until after he delivers the concrete to your site."

“THREE things that guarantee ...

I would add one more: expensive new drugs and treatments that will sustain sick people for years. We’ll keep you going but it’ll cost your fellow citizens, say, 100 thousand per year.