By Edmund Haislmaier and Doug Badger
The Heritage Foundation, March 5, 2018
The seismic effects of the ACA on insurance markets continue to be felt nearly eight years after its enactment. Premiums for individual coverage more than doubled between 2013 and 2017. Much of that increase resulted from Obamacare’s new regulations, especially prohibiting medical underwriting, guaranteed issue, and banning pre-ex exclusions. The Trump Administration has taken some steps to help mitigate these challenges, but legislative action is the most effective approach to provide a conceptual framework for empowering states to repair or ameliorate much of the market dislocation resulting from Obamacare.