Looks to me like Obamacare has taken away the competitive market in health care policies.
Obamacare appears to have monopolized all health insurance policies & companies into one single market even though each insurance company is an individual entity.
Obamacare is using insurance companies as surrogates for nationalized healthcare. If you do not purchase health insurance you are liable for a tax penalty.

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Naked Obamacare
https://www.lotterypost.com/blog/22053
excerpts:
*Obamacare is just one plan!  That is it, just one!
*The policy has no difference in coverage no matter who or where you buy it from.
*Platinum? Gold? Silver? Bronze?  Aetna, Blue Cross, Humana et al?  It's all the same policy and same coverage.
*All I want to do is keep the policy I have like that lying liar who lies lyingly  said I could.

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Monopolies: Antitrust Law Protects Consumers, Not Competitors
http://www.wired.com/opinion/2012/10/antitrust-is
-supposed-to-protect-consumers-not-competitors/

Sherman Antitrust Act
http://en.wikipedia.org/wiki/Sherman_Antitrust_Act

Clayton Antitrust Act
http://en.wikipedia.org/wiki/Clayton_Antitrust_Act

Federal Trade Commission Act
http://en.wikipedia.org/wiki/Federal_Trade_Commission_Act