CBO's estimates of the cost of the bill assume the barriers to a vastly larger entitlement program would hold. But the Lewin Group, a health policy consulting firm, concluded otherwise: that about 130 million people would be moved from job-based coverage to the exchanges, with most ending up in the new "public option" very quickly. So, one way or another, the bill's promise of "capped" premiums would be all but certain to become a 100 million person entitlement, which would cost several times what the CBO has so far estimated.