>>no real reason There is a very real and obvious reason. Thanks to the ("Affordable" Care Act, aka Obamacare), insurance companies have a captive audience of

>>no real reason There is a very real and obvious reason. Thanks to the ("Affordable" Care Act, aka Obamacare), insurance companies have a captive audience of citizens (but interestingly, not illegal aliens) who MUST purchase their insurance product under threat of fine/imprisonment. There is no incentive to lower prices in this arrangement, and the insurance companies are immune from the pressures of a true competitive marketplace. The insurance marketplace is the equivalent of a prison commissary.