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Competitive. there are enormous market shares held by the big blue cross/blue shield plans in 40 states. they dominate almost half the market in those states. they often use pricing techniques to prevent competition and prevent discounting. we see these problems in the market. they also have an anti-trust exemptions which should be repealed though the republicans are opposed to it. what does that mean? they can share data. in other words they can do something if they could never do without the exemptions is that the big and small companies can look at the same claims information that they share. you would never share that kind of competitive information in a truly competitive marketplace. that s not the main problem, number one. number two, the government is doing nothing to address the competition issue. if they really wanted to address it, they would enable consumers to shop across state lines where there are enormous differences in premiums that s not in the ....