Now that the public option appears to be dead and buried, how can President Barack Obama and his backers in Congress guarantee coverage for the millions without health insurance? Why not just mandate that each state create an assigned risk plan?

This idea could salvage President Obama's vision of reforming health care in our lifetime, without eliminating the private insurance market.

This isn't a radical concept. We've already had assigned risk plans for property and casualty coverage, such as auto and homeowners insurance.

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