@magicalclick:Don't get me wrong... the previous system (prior to this law) had it's faults... faults almost entirely created in large part by the degree of government regulation.

This was the problem with even the 'public option'. Why introduce a single new competitor which has a super advantage compared to any others... when you can introduce hundreds of all sorts of different sizes. Simply allowing out of state buying would have done more to lower the cost of insurance and return the market to something closer to an actual free market than anything the law did or could do.