Obamacare's impacts varied. In NY, Obamacare at least temporarily lowered healthcare premiums despite being a new regulation. Most of those rules were already i

Obamacare's impacts varied. In NY, Obamacare at least temporarily lowered healthcare premiums despite being a new regulation. Most of those rules were already in place within NY state law, but the introduction of the employer and individual mandates added many healthy people to the risk pool, fixing a pre-existing adverse selection problem and therefore lowering premiums. The Obamacare risk corridor provisions also helped. I only say "at least temporarily" lowering premiums to reflect subsequent events, like the removal of the individual mandate and the risk corridor, and the general increase in healthcare costs over time.