Gavel on flag Rising health care costs have resulted in a growing demand for government interventions that would increase access to health care and improve affordability. (Photo: Shutterstock)

A new analysis by Moody's Investors Service said that increased government regulation poses the largest long-term risk to profitability in the insurance industry. However, the report notes the industry is facing challenges on several levels: not only are lawmakers considering changes such as a public option, but the Affordable Care Act (ACA) could be repealed by an upcoming Supreme Court decision—creating disruption and uncertainty for insurers, employers, and consumers. And the ongoing COVID-19 pandemic has ongoing costs and risks for insurers' bottom lines.

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