I ' ll preface this by saying that I don ' t really like , as a whole , the ACA . I ' d much rather have proper socialized healthcare , such as a singlepayer system . That said . A big issue causing the disparity between expected and actual rates is that the individual mandate simply isn ' t punitive enough . Healthy people are opting to just pay the penalty , because it ' s still cheaper than health insurance . So what you end up with is a ton of expensivetoinsure people joining the pools . well , of course rates are going to go up . The pools didn ' t get as many additional cheaptoinsure people as expected to spread the costs out further . It ' s certainly not the only problem , but it ' s one I rarely see discussed . <| sep |> Nicely done ! The change in the Idaho flag was a real step in the right direction . The previous one was quite boring and didn ' t adhere to the most important rule of flag design , No lettering or seals . Unfortunately , the previous Idaho flag is not the only flag with this issue . The two flags I ' m the most concerned with are the Kansas and Nevada flag . A flag for Kansas should not need the word Kansas written across it . Now , I know the actual Kansas flag also has this issue , but , come on . We ' re socialists . We can do better . If the seal on the Kansas flag could be blown up to occupy the entire flag , I think that would be a pretty awesome design . On the Nevada flag , another gold seal on a red backdrop can be a bit of an eyesore . I love the idea of the pickax and shovel crossing each other with the rays of sun in the back . If those two could be blown up and everything else be removed , the flag would look far better . Now , I am going through each flag and making both minor and major changes to strive for flags that follow the rules . I ' ll post the results as soon as I can . Thanks ! Solidarity forever !