It may be that the millions of Americans who so far have not signed up for health insurance through the public exchanges may not want the "essential package" that even basic plans must include by law.

That's the view of Karen Ignagni, CEO of American's Health Insurance Plans, as expressed to C-SPAN. If that's the case, she said, then it's time to create a new, lower-tier insurance option for those still going without insurance.

"I would create a lower tier, so that people could gradually get into the program, so they could be part of the risk pool, so we don't hold the healthier people outside," Ignagni said. "What I would do is give people more choices."

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Dan Cook

Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.