Yet we must get the foundation of insurance reform right, or at least close.

You look at the experience of New York," he said, "that tried to mandate insurance reforms alone.

Now insurance reform - the last major piece of the Governor's early legislative success - has come under fire.

And in 2014, once the exchanges have formed, more insurance reforms go into effect, including:

But insurance reform or not, this is the way we have to go.

We believe it should focus on insurance reform.

But we have concerns about the technical aspects of his proposed insurance reforms.

The five companies "don't believe you need universal coverage," he said, "to do insurance reform."

And the Legislature might have passed insurance reform even if Empire hadn't provided misleading data.

Without insurance reform aimed at evaluating true risk, the premium crisis will continue.