Costs were indeed going up 10-14%. Mine went up 40% this year, 38% last year and 100% the year before. Explain again the aca benefit to the self employed individual market and small group. You that work for the public sector have no idea what the small business and individuals pay. You are sheltered from reality sadly so can't wrap your heads around it. Alaska has its own problems unlike anywhere else so unless you get to much for to small a market under control you will not get off home plate. We do not need 50 surgeries centers and 35 ct scanners in the anchorage area. They all charge the same and ther is no published prices. Why? Because they can. Fix that for starters. Simply saying single pay will fix it all is just like aca saying you will save $2500 a year and can keep your doctor.