Okay, but it’s not 1.2 vs. 1.8.
The individual market is 10% sicker. And they have less claims than the group market, because they are lower income, and so avoid using any services.
Anyway, if you’re trying to say it’s possible to make Obamacare work better, I think everyone agrees, especially given the massive amount of sabotage. But you seem to also be saying that it’s worse than nothing, which I disagree.