The real foundation, the most important part of this, is individual rights, responsibilities, and expectations of behavior. … We believe that there should be must-carry, that everybody should have health insurance, or if you’re an absolute libertarian, we would allow you to post a bond, but we would not allow people to be “free riders” failing to insure themselves and then showing up in the emergency room with no means of payment. If you have must carry, then the insurance companies have told us that we can have must-issue, and you will therefore have a system in which you don’t have to worry about cherry-picking and maneuvering. … This is the kind of general model we will be advocating.
