It's strange to see someone say this like it's a good thing. Almost no one wants to "shop for the health insurance they need". They want to show up when they need care and receive it, and not have to think about it.
I'm saying that, because the situation would imply a price war for health insurance, which -- crazy me! -- I think would be good for everyone.
it's all about in how the regulation is carried out. paperless data transfer between company, ban on exit and transfer fees, standardized risk assessment that's binding for all companies allowed a healthy competition.