Well insurance rates have been going up for years and insurance companies really have no idea how things are going to shake up. If they overcharge, they have to

Well insurance rates have been going up for years and insurance companies really have no idea how things are going to shake up. If they overcharge, they have to return the money anyway because of the Obamacare stipulation on the minimum percentage that must be paid to health care providers. Heck, the only reason Obamacare passed was because Blue Shield of California announced it was raising rates upwards of 40% which reignited the fight after everyone thought it was over.