The good news is that this applies to individual plans only. The bad news is that it is going to happen. Health insurers are expected to significantly increase premiums for ACA plans due to massive losses. These losses have been offset by a government reinsurance subsidy, which ends this year. Without the subsidy, the losses are direct…and directly coming back to affect policyholders. Evidence is based on initial rate filings, but these are only preliminary. The government, of course, downplays their significance…we shall see.