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None of this would matter if there were real competition in the insurance market, instead of people having to change jobs to change insurance, and not getting a direct say even then.

As it is, this is a dumb law, and prejudiced against decisions made in silico rather than in vivo.

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There are plenty of people who get their health insurance through their state's ACA healthcare marketplace or through HealthCare.gov if their state does not run its own ACA marketplace.

Some of those marketplaces do have competition. For example in the county Seattle is in there are 9 different insurance companies offering marketplace plans.

If lack of competition is the problem, should we expect to see less of those problems with insurance purchased on ACA marketplaces?

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