Now that the Democrats are in charge in Washington, Insurers are bracing themselves for the impact. While they expected an improvement in the case of either president changing the current system, they are preparing for a boost in the individual marketplace as Obama works to get more uninsured people covered. There will also be a change in the outlook for federally funded programs such as Medicaid which were previously facing cuts in the future. Stock prices have suffered as people feared a Democrat initiated universal type healthcare system would negatively impact the individual marketplace as the government played a much larger role in health care. How do you think things will play out?