Here is the primary problem for folks in the individual plans, the Obamacare pulled two fast ones, they require all insurance companies to offer plan that can not restrict you on pre existing conditions, and they declared"if you can not afford your plan it will be subsidized by the Feds.."  This all sounds great until you factor in all the folks whom are really sick, the high dollar expense folks, they move over from Medicad to the individual plans. The States and the Feds used to pay the medical bills for those whom could not qualify or afford a plan under  Medicad. The Billions that were paid nation wide by the States and Fed Gov we're quietly shifted to a small group of insurance payers. Big pools are not as impacted due to they have a large percentage of working folks and working folks tend to be healthy. The individual plan has two sub groups, those whom are working and those who were high cost non workers. Once all the working folks in the individual market leave due to high cost