Fair criticism.  But that same insurance company would drop you the minute you became seriously ill if they could.  And that was the case well before Obamacare.  Blame capitalism, not government, for that situation.

BTW, where were all those innovative startups before Obamacare?  Time to start treating healthcare for what it is, a human necessity rather than a discretionary commodity.  Think of it as water and sewer utilities rather than cable TV.