Re insurance company regret: I just want to add to the discussion that the regret may only be a tinge of worry at this point. Some insurer stocks (Humana (HUM), Wellpoint (WLP), United Health (UNH), Aetna (AET), and Cigna (CI) are pretty close to their all-time highs.
...Based on expectations. How many new customers have they gotten so far? If I had stock in them, I'd be selling. I believe those stocks are high because they were expecting (and still may be) 50 million new paying customers. It's the DotCom effect. Eventually, we're gonna make some money!