The exchanges for individuals buying policies on their own in some locations are not working because there is too much risk for insurers-- too much uncertainty even with the subsidies which were supposed to help the insurance companies stabilize their underwriting. That is made worse by the threat that the subsidies and Obamacare will be repealed. There are ideas for fixing this-- including those from Republicans. The group plans offered by employers which are stabilized nationally by insurers-- same forms are used nationally--this provides larger pools for insurers and work for 49% of Americans who get their insurance at work. In Hawaii where employers are required to pay for group policies for their employers the pool is even larger and discounts on the group plans provide wide coverage at affordable rates given rising costs of drugs and treatments. A federal tax credit for employers and an exemption from employee income tax for the employer's share help the group plans.