I'd question whether insurance companies jacking up prices for purposes of growing headcount was a major trend. In the ACA aftermath, I believe you saw more in

I'd question whether insurance companies jacking up prices for purposes of growing headcount was a major trend. In the ACA aftermath, I believe you saw more insurance companies exit markets because they couldn't be competitive and profitable on prices with standardized plans. Which is its own problem and led to a lot of limited-insurer markets, but a different one.