Win for Insurance?, Ctd

A reader writes:

There are annual limits in Reid's markup.  Claims can be denied, based on "fraud" just like today.  There is no competition or end to anti-trust exemption. So people will be forced to buy junk insurance they can't afford from monopolies or pay a fine to the government.

If Ezra were correct that they would "never discriminated against another sick applicant," I would like the bill more. He's wrong.