answered: There have been recent regulatory and administrative changes

  

There have been recent regulatory and administrative changes that might affect the Affordable Care Act (ACA) market for non-group insurance. In particular, there is no longer a penalty associated with the individual mandate in most states.
Prepare to explain to the governor of your state—using the concepts of the Rothschild-Stiglitz model (but not the jargony language)—how adding a mandate would affect the insurance market and who would gain or lose from this change.

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