Since it's clear you don't pay for your own insurance or have taken Economics, let me demystify a couple things for you.  At no time did my premiums in the last 12 years increase-- until 2009, when Obamacare was about to take effect.  "Just because they could?"  How idiotic.  EVERY time the government imposes 'community rating' and 'guaranteed issue' on healthcare providers, it drives the cost of health care up-- do you honestly need a Nobel Prize in Economics to figure out why that is?
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Seriously, made-up poster: come back when you know what you're talking about.