HHS and Sen. Ron Wyden (D-OR) believe in fairies and insurance
markets        Still the theory of competitive markets depends
on some very basic assumptions.  One of the most important is
that for an exchange to make sense, the product must be a more
or less uniform commodity/service.  Suppliers are then forced to
provide that uniform product, buyers can compare on price or
perceived fidelity to the uniform standards, and the invisible
hand of competition will force markets to clear at the marginal
cost.  But all but the most efficient suppliers hate the model
and marginal cost pricing, so the first thing they do to
undermine the ability of competition to push prices down to
marginal cost is to claim their product is different, new,
improved, and thus deserves a higher price — or conversely,
claim their inferior/dissimilar product is the same as their
competitor’s and thus deserves at least the same price. 
Consumers have little power to determine whether this is true,
and cannot afford to find out when they’