Arizona's health insurance marketplace became a poster child for exchange dysfunction because of a rash of carrier exits and steep premium increases. Carriers and rates have since stabilized, but exchange enrollment is plummeting. The most notable trend in Arizona's commercial market is a shift toward self-insurance as employers seek to gain more control over their benefits and expenditures. Medicaid enrollment has grown significantly in recent years, but new initiatives could reduce enrollment and benefits if approved by the Centers for Medicare & Medicaid Services.


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