1) Doesn't work because you'll end up with insurance cherry picking healthy vs. unhealthy (http://newamerica.net/publications/policy/across_state_lines_explained) 2) Identical to current system, and that's already in the legislation - if you want to keep your existing plan, you can. 3) What tools? That's a blanket statement. 4) Tort reform, while important, accounts for less than 5% of healthcare costs, so that's not going to alter the current path (http://washingtonindependent.com/55535/tort-reform-unlikely-to-cut-health-care-costs) So, any other proposals that can't be refuted?