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    Six things to know: How health execs might benefit from Trump’s plans




    One of the central market reforms of the ACA imposed community rating and limited medical underwriting based on factors including age and tobacco use. “These underwriting restrictions make the young and healthy bear more than their fair share of the costs of individual health insurance and have contributed to huge premium increases,” says Morgan Tilleman, JD, an associate with the law firm Foley & Lardner LLP, which has a niche in health and insurance law. “Under the ACA, insurers are unable to appropriately price health risk, which puts the entire individual market at risk of collapse. If Trump and Congress remove the ACA’s restrictions on underwriting, they will make a big contribution to restoring a healthy individual health insurance market.”



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