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> Hence my confusion: Why is it bad for the US government to let insurers raise rates?

Because of a very, very, bad decision to make the California (and I really should have written California gov, not US gov) an elected position. And people like voting for the guy who prevents prices from going up.

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Look: You're arguing that the US goverment preventing insurers from raising rates is a bad thing. I completely agree.

You however worded the original query in such a way that I read it as the US government allowing insurers to raise rates is a bad thing.

That's why I was confused. All I advise is you choose your wording a bit more carefully in the future.

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