Moody’s Investor Service has changed its outlook for the entire health insurance industry from stable to negative. Guess what’s to blame: ObamaCare. Moody’s says, “a new development and a key factor for the change in outlook is the unstable and evolving regulatory environment under which the sector is operating.” Unstable is putting it mildly given the waivers and unilateral changes made by the Obama administration. The ratings change was inevitable because ObamaCare was designed to yield the results it’s getting. And it’s just getting started.