I think what Spkr Ryan is proposing as succinctly as I possibly can is a plan in which everyone but those in high risk categories are pooled, which makes for low premium costs and for all high risk folks pooled to pay extremely high premium costs.

What he is proposing is a perversion of insurance. An example: he will only insure those who are actuarially not a risk of having an accident i.e. those prices will be very low or is that an inducement to get your vote for lowering your premium costs artificially? and all the other folks are pooled to pay high premiums which will be partially paid by the federal government so the low risk pool does not see their money from taxes going to the insurance of the high risk pool. What a plan.

Spkr Ryan does not understand insurance but he does understand political manipulation.

ignorance is the enemy
without equality there is no liberty
America can survive bad policy, but not destruction of our Democratic institutions