The answer to your first question regarding "An actuarial value of 0.48" is found in the article. Health care premiums went up 14% in the first two years after Obamacare was passed not entirely because of new mandates and court rulings. However, the insurance company guy addressed the expected additional costs of types of insurance policies his company sells as more Obamacare mandates and taxes have to be added and passed along.
Bookmarks