My sense is that the insurance companies saw the opportunity to raise premiums and blame someone else (Obama) for it. So they did. And their profits are up.

The only way I can imagine our health care use would actually go down would be to have (gasp) rationing, or (double gasp) death panels. Which we all know are evil.
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The charm of fishing is that it is the pursuit of what is elusive but attainable, a perpetual series of occasions for hope. -John Buchan