Health insures cannot tailor policies to fit you needs as each state regulated what they must cover whether you need it or want it. Remember the Gov. of MD whining that there were only two carriers in his state? Dumbacrats REGULATED them out. Others chose not to do business in his state. Until one can purchase health insurance across state lines - that will not change and prices will not come down and BTW there is NO INTERSTATE COMMERSE in this situation. To be in this "market" is NOT covered by the Commerse Clause. SCOTUS should overturn the HAA.