I agree with much of your points. But it's the overall theme I conflict.
Auto insurance is a fairly cut and dry system. Vehicles and their parts have a finite value and can be arbitraged. Human health however is not as cut and dry. The cost to heal a patient in Boston is a lot more than it is to heal the same patient in Phoenix, not because of cost of living, but because of the medical resources available. Arguably the best doctors are in Boston and NYC area, mostly because of the schools that surround those areas and the income those areas command as well as available external resources these doctors and technicians have at their disposal.
Blue Cross of New York is the provider I use for my company, yet I have two offices in MA and AZ. I chose Blue Cross of New York for their competitive advantage. But the stipulation in this is that I had to LLC in New York to get around some regulations, because Aetna and UnitedHealth offer shit plans for AZ and limited plans for MA. But now with Obamacare, they are forced to become more competitive because federal regulations supersede the states. (Until which time states begin to appeal) -- The idea is that Obamacare will [eventually] provide for a more competitive market for health insurance, where we see it currently not existing. Prior to Obamacare, my health insurance costs have risen year over year for the past decade. With Obamacare, we hope to see that reverse.
