The government insurance mandates ruined the insurance market just as the government had already ruined the healthcare market - creating various levels of subsidies and reimbursements by Medicare and Medicaid.

We have a system where you are either covered for free essentially by Medicare if 65 or by Medicaid if you have below a certain amount of financial resources. The people not covered by these programs or by their employer as a job benefit need to have the freedom to decide what level of insurance they are willing to pay for. Most will choose an affordable plan with higher deductibles than a cadillac plan. I see the main problem is a lack of competition in the way services are provided and in the insurance market.