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Insurance was to be financed by premiums from banks.
There is another way to keep premiums from escalating, however.
The premiums from cheap, healthy people are supposed to offset the costs of the sick.
"Naturally the market will demand higher premiums from countries that have less solid finances," he said.
The deal, which will cap premiums from 2015, was also announced on Wednesday.
These problems include delays and errors in withholding Medicare premiums from Social Security checks.
Far from decoupling health-care premiums from wages, which the Christian Democrats wanted, wage-related premiums will rise.
Ms. Sebelius said the impact on premiums, from all the new requirements, should be only 1 percent or 2 percent.
Health-insurance premiums from the citizens of every town and city could also be collected through electricity or water bills.
It collects premiums from employers and, if they cannot pay their guarantees, will take over the scheme.
With few competitors free to lend, JPMorgan's bankers demanded big premiums from corporate borrowers to finance deals.
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