I guess "unmitigated" is in the eye of the beholder. Your experience sounds terrible, but there are a number of metrics out there to suggest that the market is functioning fairly well. Granted, these statistics are from the Commissioner (and in goofy font), but they are a good starting point in discussing how Obamacare has affected Washington: https://media.wix.com/ugd/39a85e_b9cafedf6f41472f8c41c8c1a703502d.pdf