No, what I'm saying is that leave it up to the states to decide how they want to control the costs. If states, .e.g, California, Oregon, Washington, New York, Massachussetts, decided that it was best to control costs by allowing their residents to buy into a pool from an insurance exchange if they choose to, but required all residents to carry insurance, then they should be allowed to do so. Where as, other states, e.g., Texas, Oklahoma, Nebraska, Virginia, Florida, may choose to let their residents purchase insurance policies that may be located in each other's states, but limited the amount of compensation a victim would receive in a malpractice suit.