Myron Kreidler: “We didn't cede the power to the Federal Government. We said we wanted to make sure our plan worked to the benefit of…”

It is absolutely critical that we wind up making sure that those guardrails are not eroded away.

It becomes a larger pool--community-rated pool--and, therefore, you have the benefits of having more insured, and much less subject to having price increases.

Going forward, as you look at the Affordable Care Act, there are a lot of people that refer to it as somehow a government takeover of our health insurance system.

Let me be a harbinger here and say this. It can and will happen if you do not take action now.