Slate has an interesting article on how insurers reject you. Definitely makes you think about the need for reform, especially in light of WellPoint's 39% rate increase. I love their explanation for the rate increase:
WellPoint defends the hikes as a prudent business move. In a letter to Sebelius, Brian Sassi, head of WellPoint’s consumer business unit, said that because of the recession, healthy people are dropping insurance or opting for cheaper plans. That lowers premium revenues, reducing the amount of money available to cover claims from those who remain.
I'm not sure there are many people out there who can easily absorb a 39% rate increase and I bet some of those people who are still left are going to drop out or opt for cheaper plans, creating a vicious cycle that we'll probably see repeated with other companies over time if something isn't done to keep costs down.