One challenge we face in American health care policy today as is how to build premiums for the individual people who buy "non-group" coverage that will be affordable for both older buyers and younger buyers.
Without the public option, the truth is that we have a bill that might cost the government less, but costs consumers more. The public option will create the competition needed to drive down prices of private insurance.
Laws to repeal the anti-trust exemption for health insurance have been introduced in every Congress for many years. The industry has fought back every time and nothing was ever really accomplished -- until now.