Five health insurers, including two of the nation’s largest (Cigna and Aetna), have decided to stop selling individual insurance policies in Indiana. The five companies covered more than 20,000 individuals, which translates to approximately 10 percent of all of those residents who have individual health insurance. The insurance companies justify pulling out of the individual market because advertising and administrative costs are too high for the companies to transition to the new medical loss ratio standards outlined in the Affordable Care Act (ACA). The state’s Insurance Department is worried that other insurers will follow suit and have requested a deferral of the new MLR requirements in the federal health reform law.