You said you wanted “commonsense measures that expand access and choices while lowering costs.” This of course is what we all want. But I don’t see how your Empowering Patients First Act is going to achieve it. It seems to be designed to come even less close than Obamacare. How is this bill different from the similar ones that were attempted in Texas and California and then failed? If this bill had been passed instead of Obamacare, wouldn’t it be in even worse condition now? If insurance companies can cherrypick the healthy and send the sick off to state-managed pools, then the insurance companies make money, and tax payers are stuck paying the bill. What is commonsense about that? How does it lower costs? And how does it increase access and choices to anyone but the people who need them least?