Rep. Dave Camp makes precisely the point I raised with regard to premium costs. He told the president that the CBO anticipates premium costs will go up 10 to 13 percent because the plans will be richer. They will be richer, he says, because of government mandates. Camp argues that it is this approach that Republicans object to.

Rep. Paul Ryan makes the same point: if you federalize and regulate a one-size-fits-all health-care system, it will be more expensive. Ryan asks: “Do we distrust all our governors? Do we want Washington deciding how this works?” This discussion is immensely important and frankly helpful to conservatives.

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