Look: You're arguing that the US goverment preventing insurers from raising rates is a bad thing. I completely agree. You however worded the original query in

Look: You're arguing that the US goverment preventing insurers from raising rates is a bad thing. I completely agree. You however worded the original query in such a way that I read it as the US government allowing insurers to raise rates is a bad thing. That's why I was confused. All I advise is you choose your wording a bit more carefully in the future.