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.