But the core premise of the policies the president is about to lay out is that Americans are over-insured when it comes to health insurance. Over-insured. Got too much insurance.
These aren't my words. These are the words used by the conservative policy-wonks who came up with the president's proposals. Just hop over to Google and start googling the phrase 'over insured' along with 'health' and 'conservative'. This what they think; and what the president thinks. It's why he's behind these ideas.
So the president thinks the problem is that people have too much health insurance. People are over-insured.