And if they write their contracts in that fashion, then people will stop paying them money and they'll go out of business. Those people will then have the ability to go to the public-option the left is bandying about as Manna From Heaven.

People aren't idiots and don't need to be coddled. If "BigInsuranceCo" starts screwing people over -- when there's an option of a public-run insurance company -- people will simply stop paying that insurance company money and use the public-option company.

If the gov't can pass laws so it can run its public-option insurance provider any way it darn well feels like it, why shouldn't the competition have the same capabilities?