I do not trust private insurance companies to ever do the right thing. Before Obamacare, after I lost my insurance due to a divorce, paying for private insurance even through Kaiser in California was over the top because I have a pre existing condition - a benign tumor on my pituitary that is completely controlled by medication. It didn't matter that it was benign and so easily controlled. Being self employed the cost of private insurance was punishing. Stories like mine are the reason Obamacare was necessary in the first place. Insurance companies are not going to suddenly start doing the right thing without a government mandate.