If you plan on the existing big insurance carriers offering plans to retailers and associations, this plan will be garbage. The big insurance carriers will not only do what they do today, they will create more information asymmetry for the associations and retailers than what we see today. Which will allow them to do more of all the fucked up things they do today. The ACA has failed because you and your peers, on both sides , did nothing to stop insurance carriers and hospital networks from becoming the behemoths they are today. They will continue to underpay or no pay everyone they can. They will continue to use their PBMs to rip off patients. Do you really think they will all of the sudden make their PBms honest when they sell through Costco , Amazon, Home Depot , whoever ? Hell no. They will make it worse. I’m all for ending state line restrictions. Allowing docs to start own hospitals But you have to recognize the current market is not efficient. Not close at all Which allows the behemoths, carriers and hospital networks to be economically abusive. Get the DOJ and FTC to look at breaking up these enormous companies , and then you might have some real , transparent competition that benefits from consumers shopping for themselves(Mark Cuban)