That is because Insurance Company pay out big $$$ for lobyists to The Federal Govt to keep it that way!
You dont seem to know much about Insurance Companys.
The Hurricains in Fl. last year affected us all. Oh I live in Ks. ToTo!
They want to fight pay outs, but want the Premiums coming in, NOW, or you will be cancelled forth with!
Isnt Your State a Required State for Aouto Insurance and it is against the law of You Dont Have it?
Try going to A Hospital without Health Insurance, good luck.
Try Getting ACLU in on this crusade and they will just laff at you!