Article Wanted

Predictions that the Supposedly-Affordable Care Act might lead to a medical-insurance death spiral usually cite New York state as a bad example. I'm sure that there must be an analysis somewhere of what happened to the individual medical-insurance market in New York state (with prices and dates) but my attempts to find it usually lead to medical-insurance ads or other irrelevancies.

On the other hand, there are government death spirals as well. There was the mass transit spiral in which automobiles became overwhelmingly common (except in areas where even government could not wreck mass transit that badly) and the urban-school spiral in which anybody who could afford it put their children in private schools.