The congressman said that HR3200 is not a complete overhaul. This legislation would phase out any insurance plans that do join the Health Exchange. In the Health Exchange, plans will have to meet many requirements laid out in the legislation and regulations determined by the health choices commissioner, thus going under government control. This bill also creates a public option that will be available to anyone, but does not have to be profitable. Thus, the public option will charge less than the private plans in the Exchange. How will private plans survive? A doctor, who attended the town hall, pointed out that in his small business it would be more economical to drop health insurance for his employees and pay the 8% tax businesses making over $250,000/year will have to pay if they do not provide insurance. Eliminating private insurance, encouraging businesses to drop coverage, how is this not a complete over haul?