All insurance is regulated to varying degrees. The core idea of insurance doesn't lend itself well to unregulated free market competition. You can apply regul

All insurance is regulated to varying degrees. The core idea of insurance doesn't lend itself well to unregulated free market competition. You can apply regulations to control the market and have it accessible to everyone, or you can leave it unregulated and use your tax payer base to pick up "the slack". Short of society becoming callously uncompassionate, this (health care reform debate) seems more like an argument of which accounting column it should fall in too.