Last night, President Obama laid out his vision for health care reform before a special joint session of Congress. The pillars of his plan are: i) Curbing the worst abuses of private insurance, ii) Requiring everyone to have insurance, iii) Insurance exchanges, which are basically government websites where customers can order insurance off a “menu” of plans, the idea being that if tens of millions of people order the #2 Combo, everyone’s lunch will be cheaper.