My understanding is the "pool" is not you, but the general population who also bought the plan, which is probably a less healthier group of people than say your

My understanding is the "pool" is not you, but the general population who also bought the plan, which is probably a less healthier group of people than say your normal technology startup or enterprise company. Also, the state is probably doing worse on negotiating with the insurance companies for rates than compared to big fortune 500 companies.