There is only one thing collapsing Obamacare right now - REPUBLICANS and all the market uncertainty they are whipping up that makes any future planning for insurance companies a guessing game.
While snowflakes continue to declare Americans will lose coverage if the ACA is repealed there are already millions of Americans who are out of coverage due to insurers leaving exchanges, leaving no insurers left. Many are left, due to massive increases, unable to afford 'affordable' health care.
And as long as the Federal Govt continues to pay into / for the Obama program sworn to pay for itself, not cost a dime, and which would lower the cost of health care it can survive.
If left to operate as it was always promised, it would have already collapsed.