It's so hard to believe this isn't working out. You let a bunch of liberals who understand nothing about how insurance works set the rules for how insurance has to work. Then, when everyone starts losing their coverage and premiums are soaring - and no one can sign up for new coverage even if they want to - you make up new rules on the fly for how to "fix" all this. And the result is that you completely destablize the market you were so sure would work better if only you could run it.