Comment Re:It's California (Score 1) 723
If you have so few choices in that state, I'll bet the problem is government-based cronyism.
I think it's called laissez-faire capitalism. Too little regulation means that the market will concentrate on the most profitable customers and not necessarily provide any service at all to others.
The point of insurance is that it's a risk pool that lowers the cost of saving to pay for a catastrophe for every participant, based on the probability that most folks won't need it. But it doesn't work for the folks who aren't allowed in the pool. And the reality is that everyone will need it sometime, and that it is normal for a society for some proportion of its people to be sick.