The health insurance industry seems to be going backwards rather than forward the further we move into PPACA. As many industry professionals predicted, the number of sick members and heavy utilization have exceeded initial actuarial predictions. Premium exchange rates looked very competitive in the first year of this roll-out, but all to often you see the government kind of ”tease” or attract attention to what is touted to be the next great thing, only for it to blow up a few years later. Add in upward spiraling prescription costs, especially for Specialty medications, and we have a recipe for a disaster awaiting us. Please see attached article.