‘Tis the season of annual notice of change (ANOC). 2016 will be especially different than any year prior. We are now a couple years into the federal exchanges, and because of this the uninsured population is shrinking, and in turn, the number of Americans entering into the US health system is rising. Utilization has never been higher. With this rise has come significant premium hikes. Across the country, many plans are raising premiums. The question is, will members and companies come back as the price goes up?