* Everybody would be guaranteed health insurance.

* People would be pooled into large groups, or ``alliances,'' which would ensure that members have a choice of at least three plans.

* The alliances would purchase care from large health-maintenance organizations, some controlled by insurance companies, others by doctors.

* Most employers would pay 80 percent of their workers' health-insurance premiums.

* Government subsidies would ensure that businesses of 75 or fewer employees would pay no more than 7.9 percent of payroll for insurance.

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