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Just like student loans, costs will never come down when the federal government basically guarantees the insurance companies a steady income.
If the policy is, say, $10,000 for a family of 4, whether there is a subsidy to the purchaser or not, the insurance company still gets the 10 grand.
Absolutely no incentive to reign in costs when the law dictates everyone must purchase it or face a penalty. (Eye roll thingie here)