ACA Magnifying Glass Next year'sprice cuts help to correct the huge increases that jittery insurersset for 2018 plans to protect themselves from anticipatedRepublican assaults on the markets. (Photo: Getty)

In recent years, places such as Memphis and Phoenix had witheredinto health insurance wastelands as insurers fled and premiums skyrocketed in the insurancemarketplaces set up by the Affordable Care Act. But today, as inmany parts of the country, these two cities are experiencingsomething unprecedented: Premiums are sinking and choices aresprouting.

In the newly competitive market in Memphis, the cheapestmidlevel “silver” plan for next year will cost $498 a month for a40-year-old, a 17 percent decrease. Four insurers are sellingpolicies in Phoenix, which then-presidential candidate Donald Trumphighlighted in 2016 as proof of “the madness of Obamacare” as allbut one insurer left the region.

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