Considering the few insurers still participating in the health exchanges this makes total sense. Insurers have no incentive to participate, which allows for the few still there to increase fees because they know the government will subsidize the rest. The individual mandate was the worst part of Obamacare. Penalizing (or as it really is: taxing) people for not having insurance is outrageous. I wish everyone would learn to understand this concept: those who want insurance will do what it takes to get it (find an employer who provides it or pony up the money to get it) or those who don't want it, won't get it. The ones who don't want it won't get it because they can't afford it. It's because we allow them to go to the emergency room for a scrape or a cold and leave without paying. Where is the incentive for them to get insurance? Everyone else will pay for their care no matter what - so why should they put any money on the line for it? The whole system is broken from the top down and bottom up. There's no way to fix it now. Best thing to do is just let natural selection take its course and see where we end up in 300 years.