What about Americans who are born with health conditions that make insurance companies unwilling to take them, such as my little daughter Bella? In a nation of 313 milliion people, about 2 million to 4 million people a year have uninsurable conditions.

First, my plan encourages affordable coverage, so there will be fewer uncovered families with uninsurable conditions. If people are already insured, their insurer covers them when their health changes, or when they have sick children. That was the law even before ObamaCare.

Once people have insurance, they would be able to switch to another plan immediately if they have not allowed coverage to drop. If they have a break in coverage, it would be more expensive to sign up afterward. That gives people an incentive to keep coverage.

In order to enable insurance companies to be able to offer low-cost premiums, those with severe illness need to be offered special health insurance programs through the state, known as risk pools. Some states already have them.