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<p>NJ does not have a state marketplace. If the lawsuit succeeds, in federal-exchange states such as New Jersey, current individual insurance prices will just be a distant happy memory, both for people who bought on the exchange and people who bought off the exchange. Having guaranteed issue, but no subsidies and (effectively) no individual mandate is a good way to break a health insurance market. </p>
<p>I’m fortunate to live in California, but unlike emilybee I’m not happy at the thought of other states having broken insurance markets. Real people who either won’t be able to afford insurance, or will pay an arm and a leg for it.</p>