* Upgrade our existing laws, standards to meet both the letter and the spirit of the law.
* How do we prevent insurers from gaming the market between now and 2014, and
* How do we manage a smooth transition into 2014?
* Even after 2014, how do we really transition the market to one where there is robust competition on price, benefits, quality, and customer service, rather than risk selection?
In this debate, it’s actually more important that we bring benefit standards up to federal standards, that we have a robust consumer complaint and assistance program, that we are vigilant in preventing the gaming of the market leading up to 2014 and beyond, including by ensuring consistent interpretations of federal law.
Consolidation is a goal, but not the main one: there certainly are variations of a single agency that we would oppose as worse for consumers. But working toward consolidation is essential as part of the goal of strong consumer protections and a consumer-friendly market.