Without question, some critics have oversold the impending collapse of the ACA insurance marketplaces, but serious challenges do persist. Perhaps the most important hurdle for the overall health of the exchanges has been encouraging less costly individuals to sign up. Unsurprisingly, thus far the exchanges have attracted particularly expensive enrollees. According to a recent report from Blue Cross Blue Shield, exchange enrollees were 22 percent more expensive than those insured through their employers. In short, the marketplaces need more young, healthy individuals to sign up.
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