A researchers say the odds individual policy users will drop the policies is high. (AP photo/Bernd Kammerer)

The persistency of U.S. individual health insurance business might have been low even before Patient Protection and Affordable Care Act rules started taking effect.

Dr. Benjamin Sommers – Harvard University economist and U.S. Department of Health and Human Services planning office advisor – makes that argument in a paper published by Health Affairs, a health policy academic journal.

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