It drives me nuts to hear the media continually talk about access and affordable insurance while they continue to ignore the cost of providing care. The cost drivers in our system are not insurance rates. Insurance rates are a result of the prices in the market, not the driver. It is high time that we, as insurance professionals, begin to do our part to change the narrative.

Regulating the delivery of insurance without any nod to the hard questions of cost reminds me of an old country song by Jerry Jeff Walker. Released in 1975, "Pissin' in the Wind" does an excellent job pointing out that doing the same thing over and over is not productive.

We have just traveled through what I thought would be the largest disruption we would experience in our careers — the passage and launch of the ACA. Conventional wisdom had it that we were on a path for more of the same with the election of our first female president. We had adjusted, and the market was settling in, even though significant problems remained unaddressed. In a surprising turn, we find ourselves with a new president, and once again, change will be the order of the day.