Myron Kreidler: “It is absolutely critical that we wind up making sure that those guardrails are not eroded away.”

How can the Federal Government force people to buy a product they don't want?

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

Before the Affordable Care Act, we had almost 1 million people without health insurance. Today, that is down from--and now we are at 14 percent.

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.