Subsidies are going away but they're raising the unsubsidized rates because of that. This is the key paragraph: > If healthy people opt out, the insurance pool

Subsidies are going away but they're raising the unsubsidized rates because of that. This is the key paragraph: > If healthy people opt out, the insurance pool is left with those who cost insurance companies more — people who can't go without health insurance because of chronic conditions or expensive medications. "That's why insurance companies are going ahead and charging a higher premium, with the expectation that the market is going to get sicker next year