In June 2010, less than three months after Obamacare was signed into law, Health & Human Services released initial regulations regarding “grandfathering” of insurance plans, defining which types of existing plans could continue to exist without meeting the new law’s standards. By HHS’s own admission, most of the 17 million people in the individual market would be forced into transitioning to new ACA-compliant plans “sooner rather than later.” ... HHS regulations for individual insurance coverage ensured that relatively minor changes to these plans — for example, an increase in the deductible above a certain amount — would result in these...