For the Monitor
By Christopher Nicolopoulos & D.J. Bettencourt
In the fall of 2017, New Hampshire’s individual health insurance market was in jeopardy. Nationally, some states were seeing all participating insurers exit the individual market, leaving Americans with no options to purchase an individual market health plan. The Affordable Care Act’s (ACA) vision for a reformed individual market was wobbling under the weight of increased costs and financial losses that made the market unsustainable for both consumers and insurers. The ACA needed a change, but Congress was gridlocked over how to approach it.