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If I were a Republican and I'm not (which must make me a socialist in the article's author's world) I'd run as far as possible from your re-working of their plan. Section 1 (interstate sale) isn't going to appreciably lower rates and bring the non-insured in. All it will do is increase business and $$$'s for the insurance industry.
Section I and 2 (tort reform) don't address the issue. The real expense is not the lawsuit settlements which, in fact, amount to much less than 1% of total monies spent on insurance but the exorbitant fees insurance companies continue to assess medical practitioners even though their outlays don't justify those fees. Why not limit or scaffold insurance company fees to mirror their true payouts?
Section 3: I guess the person who loses his/her insurance coverage in that year is just out of luck if s(he) requires more than one year of coverage - better get well quick.
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