We've heard from other witnesses that catastrophic coverage still leads to incredible costs for people who aren't working and are unemployed or poor.
The second question I had was dealing with a statement you made in your report that unions will not be happy exchanging “their private drug plan for an inferior public plan”. I was curious about why you had concluded that a public plan would be inferior.
I'll make this a two-part question. I'm assuming that you perceive a private plan with an open formulary to be a better plan, but we've heard from other witnesses that these lead to over-prescribing or inappropriate prescribing. I'm wondering how you reconcile that with the public plan's being inferior and, if you're going down the road of better availability of drugs, how you deal with the open formularies and the problems with open formularies.