This is a great mouthing of Obama's talking points, but answer this one: why is it that the federal government is needed to create competition? How is it that auto insurance companies seem to be able to compete just fine without a government option? Same with homeowners policies. Likewise for life insurance?

A key component to the Republican plan (yes, they do have a plan despite the constant strawman arguments put forth by our president to the contrary) is for increased competition by allowing cross-state competition, yet the Dems reject it. Why is that?