09/25/2009 05:12 am ET | Updated May 25, 2011

No True Competition Among Health Insurers

Consider the following health insurance plan.

It refuses to pay for certain medical care and then doesn't offer a clear explanation. It does pay for unhelpful care that ends up raising premiums. Its customer service can be hard to reach or unhelpful. And the people who are covered by this insurer have no choice but to remain with it or, at best, to choose from one or two other insurers that are about as bad.