On a macro basis, other things staying the same, because greedy insurance companies had the upper hand before, during, and after a national health care law was

On a macro basis, other things staying the same, because greedy insurance companies had the upper hand before, during, and after a national health care law was passed. Which granted the companies guaranteed payment from every American when not nearly every American was paying before. There's plenty more on top of that, it's only one fundamental.