Insurance companies have near monopolies in many states.

Bonus fact: The senior Senator from my state needs a dictionary: He's against a public option because he wants people to have choice.

Special bonus fact: Tom Coburn is a heartless bastard. Apparently, people who can't get health insurance should beg from their neighbors because government "is not the answer." (Except when he "diagnosed" Terry Schiavo from a video tape and got the whole damn federal government involved in a family decision.)