auditor that where tighter regulation and controls come into play, for people in your situation for example it would be nothing for the Govt. to incent companies lets say with tax breaks to provide low cost insurance programs for people such as you or perhaps as they do in other programs if an insurance company wishes to provide coverage in a market place they must have a percentage base of low cost insured. Personally I see this as a proper oversight issue that so far the Govt. has failed miserably at.
You know why I can't get affordable insurance? It's because I moved from one state to another. I had a decent policy at a reasonable rate, but because it was a private policy, I can't get a similar policy in the state I moved to. They will give me a GI plan that is double the rate with a deductible five times higher than I had previously. On my old plan, my total yearly out of pocket cost with deductibles and everything came to around $6000 for me, not including my kids. Now, my costs will rise to over $15,000 just for me.
The insurance companies don't want government intervention, but at the same time, they will do whatever they can to deny coverage to anyone who may actually need the insurance they provide. The government tried to address this with the new Hipaa rules, but that only pertains to employees working for companies that provide insurance. For the self-employed, there are no rules.