> In the 3 years prior to the ACA I will admit I didn't look at the study. Does this mean the 3 years prior to the law passing or the 3 years prior to the law

> In the 3 years prior to the ACA I will admit I didn't look at the study. Does this mean the 3 years prior to the law passing or the 3 years prior to the law going into effect? I would expect insurance companies to start adjusting rates in anticipation of the new law, even if it hasn't taken effect yet.