The volatility of the health care market is shown here in TX, but it is the same everywhere. A person can blink, be put in a hospital situation and be forced into bankruptcy and virtually lose everything.
Deregulation is the worst thing for the health care industry because it is a runaway, but the industry and states are clamoring for it, especially here in TX.
I never thought I would say this, but I am for the federal government as oversight of state health care. We need to be protected. The Feds are certainly not a panacea, but at least it is something, a wall for the industry to hit before it drives away with all our money.