Re: Too simplistic guys
Other than the plain and bare meaning of the Constitution, no, government does not have a role.
Let's examine exactly what you are saying when you say "goverment has a role". What you really mean is that some people need to be forced to behave in ways that you define as good for them, good for others, or simply to your own satisfaction, even if they're involved in otherwise voluntary transactions and relationships with no 'criminal' behavior, per se. Goverment is, simply, the power to coerce. Your claims of "too simplistic" are a euphemism for "I don't like what they do so government should make them stop".
If health insurance consumers have a legitimate breach of contract grievance then they have the ability to seek redress in the courts, as they should, without needing to pass new laws governing our behavior.
"The human race divides politically into those who want people to be controlled and those who have no such desire." -----Robert Heinlein