Date of Completion

Spring 5-1-2017

Thesis Advisor(s)

James Trimble

Honors Major

Mathematics/Actuarial Science


Health Law and Policy | Insurance Law


The passage of the Patient Protection and Affordable Care Act (PPACA, ACA, or Obamacare) in 2010 significantly altered the structure of the individual health insurance market. The new regulatory environment and establishment of the health insurance exchanges forced insurers to adopt to be successful in the reformed individual market. However, the complexity of the law and uncertainty surrounding both the law itself and the newly insured have threatened the stability of the individual market. This thesis will explore the history of the individual health insurance market, the issues that current afflict the exchanges, and viability of possible solutions. Special attention will be given to the insurer perspective of these issues and the future of the Affordable Care Act under the Trump Administration.