The Patient Protection and Affordable Care Act (ACA) drastically changes all the business rules and now many seem surprised at the displacement it is causing. Policy cancelations, and plan changes for 2014 are being widely reported in the individual and small group markets. While the ACA is providing access to coverage for folks with pre-existing conditions and premium subsidies to lower income levels; high percentages of the currently insured are being regulated into different benefit and rate structures. 

The ACA and California regulations that are primarily responsible for this displacement are: Read more