Reply #38: The insurance industry will die a natural death long before 30 years pass.

[laughingliberal]

In fact, I would expect to see them back asking for reform within about 5 years at the outside if this fails. They can't keep shedding customers at the rate they are without dying. They've propped up their profits for a these last years with escalating premiums. They are now going to reach diminishing returns on that. The more they raise the rates, the more customers will bail. It will be impossible to raise the rates enough for the few they have left to cover the shortfall.