There are many changes happening in the health insurance industry: premiums are increasing, options are decreasing and health insurance providers are pulling out of many markets. Some say that Obamacare is imploding. If this is the case, the seeds of its destruction were planted inside the thousands of pages of what was then called the Affordable Care Act which radically changed America's health insurance. Market controls were superseded by government mandates. Pre-existing conditions were forced to be covered. And fines levied on anyone without health insurance. One of the Obamacare provisions forbids discrimination based on "gender identity” As a result, gender identity as determined by the individual, is now a recognized right and health insurance companies must cover gender transitions which means sex-change operations are covered by law. Now we know why the costs are increasing.