In reference to the "huge price increases". When the ACA was enacted, part of the deal for the insurance companies to participate was the establishment of risk corridors, essentially training wheel allowing losses to be reinsured and spread, for the underwriters until they could establish enough loss experience to accurately underwrite the new pool. When control of congress changed, the new congress cut off the risk corridor appropriation and reneged on the commitment to the underwriters after billions of dollars of losses had already been incurred.. The underwriters had no choice but to raise premiums, and or exit the individual market. Since this was timed to coincide with an election year, I'll leave the motives up to the imagination. In the interest of full disclosure, I am a self-employed, a member of my family has a pre-existing condition and my only choice for coverage is the individual market through our MD state exchange. A simple process. Prior to its establishment, coverage had become essentially unavailable at any price. Even though it's expensive, at least with the ACA coverage could be had. High deductibles, I can take thàt hit. A million $ incident, I can't easily absorb. Now, once again, I will have to lose sleep wondering if a medical emergency will bankrupt me. I had hoped those days were over.