A Senate deal to replace a government-run insurance plan with other measures would mean those without employer-provided insurance would have more options for buying coverage, the Washington Post reports. But if they are younger than 55, their money would go to a private insurer. Rates would be more competitive than what they are offered now, but possibly less so than under a public option. And if they are between 55 and 64, they might be able to buy into Medicare early, the Post reports.