Because of the Republican business "ideal" - let the market just take care of it self. What would have happened then? Insurance companies would have increased the rates 13% with NO public scrutiny! "Issue" with getting raises? Hah! The Republicans say, "let the business take care of itself, ALL regulation is BAD for business!" - THIS IS WHY its hard to get a raise! Let the companies do business, TOTALLY unregulated, and treat their employees like crap! Get rid of the Republican "pro business neocons" and vote in people who are for REASONABLE regulation!