At face value, Obamacare granted health insurance companies a pretty sweet deal. People are required to purchase their products under the law’s individual mandate.

But many strings come attached. Insurers must accept everybody, regardless of health status, and they are not allowed to accurately price the risk an individual brings to the risk pool.

This is just one reason why Blue Cross and Blue Shield of North Carolina, the state’s largest insurer, is now asking for an even higher average rate increase of 35 percent for 2016 non-group Obamacare policies.

To read up on all of the other reasons as to why insurers and policyholders are facing sustainability and affordability issues because of the not-so-much Affordable Care Act, you can read my latest Spotlight report here.