Regardless, private insurance rations care. If we could replace the whole mess with national insurance with a decent level of coverage combined with supplemental plans that act more like old-fashioned insurance but operate across state lines, we’d do much better than right now.

Problem in NY is that the firm with the highest level of coverage (Health Republic) was forced to close due to startup funding (aka Risk Corridors) available to it being cut by Congress in 2014. Which was a dirty trick — allow cooperative health plans to start selling insurance, cut their startup funding last minute, than have the GOP waving willys gloat that “Obamacare exchanges are failing.”