Over the years, carrier exits have been quite common in some years and rare in other years. There were widespread carrier exits in 2017 and 2018, but they were much less common for the next few years. (Carriers entering the markets became the norm starting in 2019.) There were some significant insurer exits at the end of 2022, including Bright HealthCare, which covered nearly a million people on its individual/family plans across 15 states. And a few other insurers (WPS Health Plan, and Oscar Health) scaled back their participation for 2023 in a handful of states. However, there was also a long list of insurers entering markets in various states for 2023, and the total number of insurers offering plans via HealthCare.gov (the exchange that’s used in 33 states) increased again for 2023. For 2024, Oscar is exiting the market in California, and Friday Health Plans will no longer offer coverage in any state. All Friday Health Plans policies in Georgia will terminate at the end of July 2023, and all Friday Health Plans policies in Oklahoma, North Carolina and Colorado will terminate at the end of August 2023. In Nevada, the current expectation is that the plans will continue until the end of 2023, as long as people continue to pay their premiums.