Few purchasers of insurance view the goals of insurance regulation in as comprehensive a manner as summarized here. A more knowledgeable consumer may very well view insurance regulation as a means to achieve three basic goals. First, the consumer wants to be able to buy the insurance he or she needs on as convenient a basis as possible. Second, the consumer wants the insurance to be reasonably priced. Third, the consumer wants his or her insurer to be good. That is, the insurer should be able at all times to discharge the financial obligations which it has assumed. In short, from the lay consumer’s perspective, the basic regulatory goals are (1) ready availability of coverage, (2) reasonable price and (3) solidity of the insurance enterprise. If the buyer cannot obtain insurance, the price level and solvency considerations are immaterial to him or her. If insurance is available but the price exceeds the ability to pay, solidity is again irrelevant. If the insurer fails, the availability of coverage in the first instance and a reasonable price charged afford little comfort. Thus all three goals are interrelated and must be balanced with each other.