Won’t work because an ‘entitlement’ which covers pre-existing conditions has been sold to the American public with Obamacare and several millions of folks are using huge amounts of dollars on healthcare under that entitlement.
No politician is going to vote to take it away from sick people. And no party that wants to remain viable will either.
I'm sure there's some truth in what you're saying but I don't see how the country has a choice if we ever want to make health care affordable again.
I think Ann's point is customer A should not be paying more for things he doesn't want or will never use. Let him just pay for a plan that covers what he wants. If customer B wants all that extra stuff they can get it and they can expect to pay more than customer A. Basic free market principles. Basically go back to what it was before the ACA and open up cross border insurance sales using the commerce clause as Ann states.
The pre-existing pool issue will need to be ironed out in some way and may need to be subsidized as much as most of us don't like that idea but as long as it comes out of the general fun and not from all the customer A's then it should work out if done right.
I don't have all the answers but I bet some sharper minds than ours does. Let the right people find and ask them just as long as they are nothing like the bozo's who came up with the ACA. Someone other than the GOPe types who brought up the disaster called AHCA.