I disagree with wgbgator, though I respect his thoughtful replies. The ability to price a customized product in insurance, including health insurance, is becoming more and more precise with advent of metadata and our ability to process all that information. (see the previous post of a customized homeowners and/or auto policy) The truth is the politicians want the power and don't give a flying fart about the average Joe. Take Florida's Citizen's Insurance Program - backed by YOU the taxpayer. This program is not actuarially sound at all; however, the lowered premiums for folks on the coasts (who have the money, i.e. campaign contributors) means the politicians are willing to screw over the rest of the State. It's happened in Florida for property insurance why do we find it surprising it's happening nationally for health insurance? My original point; and, it still stands, is that we are having our choices narrowed by the "pro-choice" crowd - nothing anyone has said has refuted that point. Again, hypocrisy rules! (Look out, Jersey, you've got some competition).