You are correct. I was also surprised at how low the introductory rates were. Kind if like 0% interest on a credit card for six months, then 19.9%. It won’t last, especially when reality hits about actual costs. It also seems these are just individual premiums. If you have children, especially if you have more than one or two, paying by individual is going to be horrible.
Years ago,I had a high deductible, basically catastrophic health insurance policy offered by a professional society to which I belonged. There was low profit motive for the insurer , and the premium was reasonable to begin; but the increases in the annual premiums were so high that they had to beg off and drop the program once the real costs hit.
However, it is possible that in socialist states like California and Washington, the state has always been more involved in health care than the average state. Oregon, too. These west-coast states may know their potential subscribers better than, say, Idaho which has had minimal involvement in health care. The worst-case projections may yet come to fruition in those less interventionist states. Rate stability is anyone's guess.