Risk equalisation is an essential component of the health insurance area and will be implemented by both the Minister and the Health Insurance Authority subject to certain thresholds. If the community is split between health insurers in such a manner that one health insurer has relatively more younger policyholders, comparatively speaking, than other policyholders, the principle of inter-generational solidarity breaks down because premiums paid by the younger policyholders with one health insurer are not funding the claims of the older policyholders with the other insurer. If that does not take place, the concept enshrined in the Constitution that we cherish all our children equally will be out the window. It is clear that this would cause difficulties, not just for the older policyholders with the latter health insurer but also for the market as a whole. In this regard, I welcome the social inclusion provided for by risk equalisation. I welcome the contribution the Bill makes to developing a health insurance system which is both efficient and socially inclusive.