Only way that is going to happen is with high risk pools. So the question then becomes why would states agree to establish and fund these pools? That same congressman said that people in these pools will not pay higher rates than they paid before, so there is no way they will be self-funding. Congress has appropriated $138 billion over ten years, but only $8 billion of that is specifically identified as high-risk pool money. The other $130 billion is for a host of other purposes. So it's unlikely that the federal funding will come close to paying for the pools and the states will have to pay the rest. What incentive is there for the states to do so?