While the avowed opponents of the Affordable Care Act have proven themselves unable to unite behind a bill to dismantle President Obama's signature domestic achievement, the ACA individual marketplace remains on shaky ground due to the unfavorable risk profile of enrollees.

The most notable symptom of the problems facing the exchange has been the departure of a number of insurers from the marketplace. A number of major insurance companies have scaled back their offerings; some have withdrawn entirely from the ACA business and others have significantly scaled back the number of markets they participate in.

Another major problem that may be driving the insurers' woes is the ongoing exodus of insurance brokers from the ACA marketplace.

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