I think you're missing the hypothetical above. I read it as "the law could have required insurers to bring policies up to snuff without increasing premiums". That presumably would have kept people from getting cancellation notices (and would have been a huge controverstifuck).
In any case, I think you're wrong. I think it's nice that there's a minimum standard for what 'insurance' should actually do. I think mandating certain minimal care coverage is critical in preventing people from being fleeced by super cheap plans that don't cover crap.
