Understanding the McCain Health Plan

The National Journal has a decent story on McCain's health care plan:

Far more instructive was the argument Obama instigated with McCain last week over health care. In several speeches, Obama accurately framed the central contrast between the nominees' approaches. The bedrock goal of Obama's plan is to reinforce the sharing of risk and cost between healthy and sick, young and old. By contrast, McCain, hoping to expand choice, would erode risk-sharing and accept sharper distinctions between the healthy and sick in both the availability and cost of coverage. One plan prizes solidarity; the other, autonomy.

You only need read between the lines (or the rest of the article) to know that this strategy defeats the whole purpose of insurance: spread risk across a lifetime and between the sick and the healthy. Who seems risky now?