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Did a seminar this week where I talked about the impact of HR2 on Plan F and C once they become closed books using Plan J as an example. A guy raised his hand--has Plan J--and attested to his personal experience with increasing prices on a closed book. That made a bigger impact on the Plan F policyholders in the audience than anything I told them. Wish I had one like him in every group. Wrote him a Plan G at more than $100 less per month, and a few others, too.New enrollee's for 2020 and later are directly impacted. Existing policyholders with C & F are impacted in the same way as any frozen block of business. Rates will spiral as they get older and sicker.