Your knowledge regarding the purpose of insurance and the spreading of risk is abysmal.
The purpose of insurance is to satisfy my individual need. Not your need. Not the need of the collective. But MY need. The spreading of risk is not relevant. It is a consumer decision by me and me alone.
The government should have no role in this. They should not be able to dictate what coverage I should have to get, how much it should cost, or who I have to purchase it from. It should be my choice to purchase whatever from whomever I damn well please.
So again, Big Brother:
GET THE FEDERAL GOVERNMENT THE HELL OUT OF THE INSURANCE MARKET !!!I don't need them fixing a damn thing. I just need them to get the hell out of the way and let the invisible hand settle it.