This document is also interesting. I don’t understand, though, how it deals with the basic flaw of the exchanges, which is that not enough healthy people are signing up for insurance. Because outgoings are higher than incomings, the insurance companies are losing too much money on the exchanges and they’re walking away.
Because pre-existing conditions must be covered, there’s not a big enough incentive for people to sign up for health insurance until they need it. I don’t think any insurance company can survive in that situation.