Insurance Industry Insider Shreds GOP's RyanCare plan.

There is one shining spot for insurers in the GOP health care plan (remember, insurance has nothing to do with providing health care).

The Republican plan does allow insurance companies to offer coverage that pays for a lower share of a person's health care costs — just half of all costs rather than the 60 percent to 90 percent mandated under the ACA.

Funny thing though, according to a former insurance industry insider, Republicans don't know what the hell they're doing. I know I've said this same thing before, but now I've got backing. From NPR:

Scott Horsley, NPR News: There is some political irony here. The people and places most likely to be hard hit by the change - older, rural, lower income - are the same ones that helped to elect the president. That's why some Republican senators who represent those areas are now talking seriously about possible changes to the GOP bill.

But there are also many Republicans who want to prevent the government from helping anyone buy insurance. And they would try their grand experiment on the entire U.S. population…which should make you wonder if they’re not the most reckless irresponsible people ever elected into public office.

What never gets enough attention are the dramatically reduced services in the GOP’s insurance policies. This is big, because it’s what made many Americans not even bother to get insurance before the ACA. It’s another big reason health care bankruptcies skyrocketed, destroying families along the way.

NPR: Republicans have said repeatedly that they want insurance companies to be able to offer cheap, stripped-down policies that don't cover as many services as those under the Affordable Care Act, also known as Obamacare. That way, consumers will have the choice to spend less on premiums if they don't want comprehensive coverage.

The problem is Republicans have a three-part strategy to reshape health care. The first is the American Health Care act, which essentially repeals Obamacare's individual mandate, taxes and subsidies, and replaces them with smaller tax credits to help people buy insurance.

Then they intend to make changes in regulations and pass additional legislation to reduce the benefits insurers have to offer and allow more competition between insurers. They say their ultimate goal is to reduce the cost of insurance so more people will buy coverage.

Stripped down coverage. Want to pay a monthly premium, that increases every year, for that? Just to be clear, if the plan below sounds good to you, well, maybe the GOP has a bridge you’d like to buy too:

The Republican plan does allow insurance companies to offer coverage that pays for a lower share of a person's health care costs — just half of all costs rather than the 60 percent to 90 percent mandated under the ACA.