They are just a theory.

They can be easily dismissed, or misread.

They lack scientific rigor.

They have no empirical evidence.

They make no sense.

They contradict what the law says.

They’re a source of frustration for many of those who are insured by insurers and who don’t know how to properly navigate the insurance marketplace.

But that’s not the whole story.

Insurers and some lawmakers are frustrated because of the way they’ve handled the health law.

They say they’ve had to make difficult choices about what to include in the coverage they offer.

In their view, those decisions, which can be complex, often create more confusion than they eliminate.

That is one reason they have largely stuck to a narrow set of rules that include the individual mandate, a requirement that every American get health insurance or pay a fine.

The other reason is because the rules have largely failed to address a more fundamental problem: that the law is not the way insurers want it to work.

They want insurers to offer coverage that’s tailored to the health needs of their customers.

They see insurance as a means to an end.

And that means insurers can’t be trusted to keep up with the changing health needs and needs of millions of Americans.

That’s the challenge facing the federal government and insurers, which are trying to help solve the problem they helped create.

Some states have embraced a more consumer-friendly approach.

California, for example, passed a law this year that allows people to shop for insurance through a new portal that lets consumers shop for health insurance on a variety of sites, including health care exchange sites, federal government websites and the National Health Service Corps, a government health care contractor.

That approach was seen as the most successful state effort to promote consumer choice.

Other states, including Alaska, are starting to experiment with consumer-oriented insurance exchanges, or CO-OPs, to help people shop for their own insurance.

The marketplaces are starting in New York City, Chicago, Philadelphia and other cities and states.

Consumers have been a major part of the success.

Consumers bought an average of $1,746,000 in CO-OPS last year, according to the Kaiser Family Foundation.

That included a $2,732,000 increase in CO