It’s 1:27am, Do you know where your health insurance is?
GOP Senators leave individual marketplace in turmoil.

All the drama and theatrics of the past few months has created a level of uncertainty rarely seen before and ignores a simple fact. America’s healthcare system, specifically the individual insurance marketplace, is in a very delicate state and what ended early this morning has simply piled more ambiguity and anxiety onto the market.
Congressional leaders can and should take one small step to restore some order and breathe life into the gasping individual marketplace by guaranteeing full funding of Cost-Sharing Reductions (CSR’s) before they flee.
Quick Refresher: CSR’s are payments made to insurers that reduce copays and deductibles for qualifying individuals and families earning up to 250% of the federal poverty level (FPL) who purchase health insurance through the insurance marketplaces.
The ACA requires insurers to cover cost-sharing subsidies to help low-income exchange enrollees pay out-of-pocket costs like deductibles and copays, with the understanding that they will be reimbursed by the federal government. However, these payments to insurers are currently subject to legal challenges, and the administration has been unclear regarding whether it intends to continue to fund them (or ask Congress to do so legislatively).
Regardless of whether there is ever a replacement, one simple truth remains-To promote stability in health insurance exchanges, Washington must end the uncertainty around cost-sharing.
THE MARKET NEEDS INSURERS AND INSURERS NEED CLARITY ON THE RULES.
This from Bloomberg, way back in April:
Insurers cannot function in a world of heightened political uncertainty. They need clarity on the rules of the markets in which they are expected to operate. Moreover, timing is of the essence. Beginning in May and June, insurers must submit regulatory filings regarding the plans they intend to offer in 2018, including the premiums they will charge.
By exposing insurers to this political uncertainty, the harm that results will impact both those individuals who seek to be insured and the government, which provides tax credits to make the coverage affordable. Insurers have only two options in this situation: set premiums much higher than would otherwise be the case or drop out of the market completely. If insurers raise premiums, federal spending will increase on the premium subsidies for which 84% of exchange enrollees qualify, and the millions of Americans who do not qualify for these premium subsidies, on- and off-exchange, will face much higher costs. If insurers exit the market, many individuals could be left with no options; in 2017, 21% of exchange enrollees live in an area where only one insurer participates in the exchange. For the sake of society broadly, insurers need clarity on the rules of the market, and they need it now.
Many experts have predicted that if the subsidies end, some or all insurers might leave their markets entirely, leaving consumers with fewer or possibly no choices — a reality that is already playing itself our in numerous states.
But even if they stay, the Kaiser Family Foundation estimates that insurers would have to raise premiums on the marketplace silver plans by an average of 19 percent in order to offset that loss of government reimbursement.
Both Congress and the Administration should be working toward the goal of “Available and Affordable” and the continuation of uncertainty regarding CSR’s is providing for neither.

Because we already know that Congress cannot walk and chew simultaneously, they need to commit, legislatively, to provide funding for the guarantees made by the government to the insurers and the people before their August recess. Then work on the broader issue when they return from district playtime.
Marco Rubio Mario Diaz-Balart @repcurbelo Ileana Ros-Lehtinen John McCain