Why is the public option only for uninsured?

Why? I don't get this. If you are "lucky" enough to have health insurance (even if it is the most minimal policy with the most deceitful company), then you don't get the same choice of having insurance which has an incentive to help you instead of having an incentive to make a profit? The fact that someone is insured doesn't mean that they don't a) have a cheating company which nickel-and-dimes you so that you pay for virtually everything, b) are struggling to pay the co-pays and/or premiums and/or the bills which result from problem A, or c) both. Another thing is the opt-out for states. This is simply one of the worst and self-defeating ideas. While wealth of a person tends to positively correlate with a Republican vote (and hence opposition to the public option, the median income of a state tends to NEGATIVELY correlate with Republican votes. This means that there will be more uninsured and underinsured people in poorer states, states which are more likely to opt-out. This is a classic example of the tyranny of the majority, and why the rights of the minority are more important than the wants of the majority. The fact that a majority of people in a state legistature do not want a public option does not mean that their uninsured masses do not deserve the basic inalienable right to health care. It is ludicrous to think that blue-staters deserve health insurance, while red-staters don't. It is merely a political move to appease opposition to the public option and it hurts America's families.