Even those with only one policy typically buy unnecessary coverage.

More people would then buy coverage and they could do so at an earlier age, the report said.

The increase, for someone who buys coverage directly, could amount to at least $100 more a month.

Families above that income level could buy coverage for their children at full cost.

About 90 percent of the tax cut will go to individuals who are already buying coverage without the government's help.

Companies that could not buy coverage at any price are finding it.

About $1,500 of that would be used to buy private medical coverage.

His plan would allow people who have no insurance through employment to buy coverage from the same system available to members of Congress.

Once that was done, people would be required to buy coverage on their own, directly from insurers.

Those who become self-employed can try to buy coverage on their own.