You're either blissfully ignorant or a hopelessly rabid ideologue. I worked for the commercial insurance industry for 14 years and am now a freelance writer for that industry, and you don't have to dig very deep into the dialogue going on in the insurance industry to know that this monstrosity IS indeed a game changing nightmare for the industry. "ObamaCare changes NOTHING to current insurance..."?? Are you kidding? It changes EVERYTHING. In fact, if you'd do just a little homework, you'd see that nearly ALL of the law has to do with changes in how health insurance is provided, and NOTHING whatsoever to do with real healthcare reform or addressing the real cost drivers in healthcare. NOTHING! Get a clue, man.