They didn't pass the law mandating that everyone have insurance and that that insurance must cover a bunch of maladies from shit living. That's your representatives and tax dollars at work. Wouldn't matter what the rates were if you didn't have to buy it, and wouldn't matter that you had to buy it (as much) if they didn't have to cover diabetes in a person that lived off sugar etc.
First off, I didn't vote for any of those ass clowns, so they aren't "my representatives." Secondly, I already told you I think Obamacare is mostly a failure.
Having said that, I cannot fathom why on Earth, you of all people, would put your faith in an industry like health insurance to be able to self-regulate and not rape people. You would rather just let the "free market" continue determining how much we HAVE to pay for insurance? I say have to because, even though OC comes with an insurance mandate or be taxed, that never changed the fact that if prefer not ruining your life by putting yourself in insurmountable debt you pretty much have to have insurance. And the worst part is, even WITH high insurance premiums and decent coverage, you still ended up shelling a fuck ton of money out of pocket. So what's the point?
Obviously the insurance companies aren't the only ones to blame. The costs of healthcare itself is just as outrageous, but no one is there to challenge it. The healthcare industry makes a killing, the insurance companies make a killing, and we're the ones getting fucked on a routine basis because of mediocre care and shitty coverage and high fees.
This is why the government should step in and squash this entire problem. Give everyone healthcare paid for with taxes and let's move the fuck on already from this problem. Some things shouldn't be left up to the "free market" to handle, because time and again the well-being both physically, mentally, and financially of the people inevitably takes a backseat.