Imagine you are the governor of a state (e.g. Georgia, although it doesn't have to be Georgia) with a mandate to reform the individual insurance markets within the state. How would the ACA (Affordable Care Act) serve as a model, or lesson, for your reforms? Be specific: Which provisions of ACA, or aspects of its structure, would you incorporate? Which would you avoid? What new initiatives would you propose? Throughout, keep in mind the primary goal of your reforms, which is to minimize adverse selection.