SEC has reported that the 10 largest health insurers have reported a profit of 4285 from 2000 to 2007. Health insurance CEOs averaged 11.9 million in compensation every year. The Labor Dept. Consumer Index has reported a 4.4% increase in health insurance for the 12 months ending in June--that on top of a 4.2% increase from the previous year. Wages in the private sector rose only 1.6%. Watson Wyatt 2 to 5-year survey show that employers expect salaries increases to remain the same or decrease. Given the consolidation of the insurance industry in the last 10 years and single insurer's dominance in regional markets, if not a public option to get health insurers to compete to lower prices, what then?