This really shouldn't be considered profound or prescient, but the entire concept of of "free market competition" only works as intended if the customers actually shop around and compare their options. If people just ignore changes in the offerings available and stick with what they have regardless of the new options available, the "competition = better value" mantra collapses.
That's why I've been stressing the importance of shopping around on the ACA exchanges (or even off-exchange) so much this year. As I noted back in October:
