"For the last 10 years, businesses, consumers, everyone have been saying, 'Health insurance costs are outrageous - they're killing us. It is a financial crisis.' And for 10 years, largely out of desperation, we've listened to insurers. Their solution has been to further deregulate the industry and increase competition. So we've removed consumer protection and oversight, we've put in a zillion different barriers in the name of tort reform, and we've capped damages in medical malpractice cases. The result? We've sold everybody's rights down the river, and our health care costs have gone through the roof."