UnitedHealth is leaving a few Georgia, Arkansas and Michigan - hitting home in our case, and what happens if its former competitors in those states do? Does ACA have an alternative route for people's health insurance outside of what's available through employment?
It is possible. The insurance companies are complaining that they are losing money in some states.
They are businesses. They have investors.
Will they all pull out of the ACA market in a state? There is no way to know.
Will they complain every time they submit higher rates and they get cut back by the state insurance commissioners? Yes.
The big question is: when will the healthy people without insurance purchase it? When they enter the market the ACA products will start to become profitable.