"Holding down premium increases.." What are you talking about? Alaska's premiums are the highest in the country and the only thing that held down a big increase last year was money from the feds:  P/BC: "During the first two years of the ACA, our Alaska customers saw premium increases of 37 percent in 2014, and 38 percent in 2015. Last year, the rate increase was under 10 percent, or about 35 percent less than what they would have paid without the reinsurance program. We believe continued support of a state reinsurance program is critical.”