Just when the Democrats thought it was safe to go back in the water ... Though the industry's anticipation of the ACA "going live" on January 1 resulted in some incremental increases leading up to the launch, two other factors enter in, which typify the hidden costs of the ACA that the Democrats knew about, but didn't care about. Those are, the limitation on insurers charging older policy holders more, which is an actuarial necessity, and the fact the ACA forbids underwriting -- the actuarial as well as the health and financial qualification processes that go into writing an individual policy. Because of those unprecedented restrictions, the insurance companies, within and outside of the ACA sales structure, are forced to raise prices. This is what is systematically destroying healthcare in the U.S.