I just sent this off to our two NY Senators:

I am retired but was an insurance executive in the P&C product line business for 40 years.  I sat on many Insurance Department panels.

 I have seen many of the major insurers pulling out of the ACA exchanges in many states.  Humana just announced it will pull out completely.

If we wrote auto insurance in a state, like NY for example, that had an assigned risk program, we had to participate.  The only way out was to turn in our license.  If we turned in our license to write auto, then we had to turn in our licenses for every product we sold. 

Is there some way for the Federal Government to force these insurers to participate in the ACA exchanges?  Very simply, if they do not, then they can't write any kind of insurance business in that state.

Also, one of the obvious reasons that the ACA is foundering is the fact that the risk pool does not include enough young, healthy folks.  Why isn't more being done to force them to be insured.  Auto insurance is mandatory, so why isn't health insurance?