By Maura Monaghan, Jennifer Chu, Jacob Stahl, Andrew Bab, Mark Goodman and Kevin Rinker ( July 24, 2017, 11:32 AM EDT) -- With the collapse of congressional efforts to pass comprehensive health care reform, the question arises: What's next? There are undeniable challenges in the current health care system. In some states, the exchanges that were set up under the Affordable Care Act that allow individuals and small businesses to purchase health insurance are not working effectively. Insurers are concerned about a disproportionately sick "risk pool" and insufficient government support for the exchanges. These circumstances have caused the price of health insurance offered on exchanges to rise dramatically in some instances. Some insurers have refused to continue offering health insurance on exchanges altogether. That has created a situation in which some states are facing the prospect of exchanges with a small number of insurance plans available — or none at all in some counties....