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Online shopping cart More participants on state-based exchanges will translate to more options for everyone, a welcome safe harbor for those not eligible for COBRA or Medicaid. (Photo: Shutterstock)

As recently as three or four years ago, everything came crashing down for the markets set up by Obamacare. Carriers swiftly exited markets. PPOs disappeared. Options tightened. Broker commissions dried up. Businesses were lost. Many had little faith that the ACA markets would ever overcome their early shortcomings—a major hurdle for the widespread adoption of the recently available types of health reimbursement arrangements.

If you take a closer look, however, there are bold indicators pointing toward a stabilizing individual market, first among them are the MLRs of carriers in the individual market and the rebates being provided to policyholders. As an HRA administrator dependent on the health of the individual market, these changes have our rapt attention.

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