I asserted nothing of the sort. Regulation is just a part of it. Again, I could go on for days. It's the result of both employer subsidized health insurance and bad regulation. I'm not against regulation. I'm just against stupid regulation and there's a ton of stupid regulation in the health industry today. Prime example: not being able to purchase health insurance out of state, which forces insurance corporations to setup shell companies in every state complicating the claims process and creating a ton of bureaucratic waste. On the employer provided bit, by having the employer negotiate the terms of the coverage, it removes the insured from the process. I, as an individual, have nearly no choice in the matter. I either go with the employer provided plan or I go with an ubsubsidized plan where there's nearly no competition in the marketplace, among other things (so rates are ridiculous).