Insurance companies are not whining; on the other hand media do on their behalf, but insurance companies basically wrote the law, so you won't see BlueCross or Athena CEO on the news anytime soon "whining" on the new law.
Also, we wouldn't expect their CEOs to make much of a stink about this, at least not publicly (perhaps I should have said "hurting" instead of "whining"). We would expect them to be busy telling investors how they plan to best take advantage of the new rules. Because that's what they're paid to do. Any CEO who says they don't know how to do this is begging to be replaced.
We'll be able to tell who was right in 3-4 years by comparing their margins (or another metric like administrative overhead) to what we see today in the individual insurance market. I would bet a sizable chunk of money that they will be much closer to the margins we see in the employer-provided insurance market today.