According to early filings , insurance companies are seeking wildly differing rate increases in premiums for 2016, with some as high as 85%. “They are unsure about how many more people will sign up for coverage and what their medical costs will be” as well as uncertainty about how the government will protect them against wild claim swings and potential losses, not to mention the pending Supreme Court decision, which may wipe out the many subsidies now available.

They are now seeing the rising expense of prescription drugs and actual claims data they are getting from the early wave of enrollees. This last year is the first full year they have credible data, and now the truth is known. Blue Cross Blue Shield of North Carolina, for example, cited costs of emergency room use, heart and cancer treatments and the cost of specialty drugs treating hepatitis C.