This part of the Act intrigues me and will be interesting to watch play out. After thinking about it, the competition for customers seems as though it could be counter intuitive to the classic model of competition for businesses in relation to their success. In our economy if the company provides a needed product, good service, at a competitive price they generally will enjoy success. In this exchange model, success by providing good service at a competitive price could sway many of the unhealthy people to swarm towards a particular insurance company. A company with cheaper prices, but poorer service or networks may find healthy people looking for cheap premiums to avoid additional cost, even if it is only nominally different in price. The insurance companies in the past I assume bypassed this problem by selecting who they wanted to accept. If a company gets too many unhealthy people early on and provides good service, there would be no reason for them to change providers, but you know the insurance company would hope some would after 2016, or they will be at a price disadvantage due to higher costs. This is just interesting to me, in respect to how this plays out in relation to the classic "business model" and in no way a comment on the healthcare act itself.