The affordable care act is being pulled apart at the seems on capitol hill but many of the states are starting to implement working on keeping the ACA together. Here in NJ our government is working on passing the individual mandate for our residents even when the federal individual mandate disappears in 2019. This thinking in many ways is a good thing. The young and healthy would most likely drop their plans in 2019 if there was no reason to carry them and no penalty to follow. That event alone could spike insurance pools seeing less premium in and more claims out. With individual health insurance increases 20% – 30% a year having premium payers drop out is something the NJ enrollees just cannot afford.