The Affordable Care Act Seems To Be Working As Planned In New York

Individuals will be able to purchase healthcare insurance at much lower cost than they were before ACA.  The exchanges have encouraged insurance companies to offer plans at competitive prices.  Since everyone is mandated by law to purchase insurance, healthy young people who chose not to purchase health insurance prior to law will be new customers for the insurance companies.  That makes the overall risk pool more attractive for the insurance companies and less expensive.  The experience in NY is similar to that of California and Oregon where exchanges have been effectively implemented.