Why are health premiums stabilizing or falling in 2019?: Now that individuals are not forced to buy insurance policies that don't serve their needs and have more choices as to what to buy – off-market exchanges, short-term plans, and other arrangements, without the fear of paying a big fine – the big insurance companies no longer have a captive audience to force people to pay whatever increases are forced down their throats. Competition and choice are a wonderful thing. It is not a coincidence that health premiums continuously skyrocketed under the massive mandates of Obamacare. It's also not a coincidence that they are looking better in 2019, when the mandate disappears (hopefully for good).
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