That's just the Free Market working like it's supposed to. That company's policies were so egregious that they eventually spawned a customer angry enough to do something about it. As a result, health insurance companies eased up on their restrictions for a time. That's a perfect example of the Free market working the way it's supposed to, and applying self-regulation

The only problem was that it wore off, and the companies went back to their same egregious policies. That just confirms that we need to Luigi CEOs on a regular basis, until they decide that the extra bit of profit isn't worth it.