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The provided article content is largely corrupted and contains unintelligible and fragmented text that does not offer coherent information related to the U.S. insurance market or relevant regulatory and market trends. No clear factual narrative, regulatory updates, market analysis, or insurer-specific data could be extracted to construct a professional summary. The readable fragments indicate some references to healthcare, insurance affordability, and risk management but lack substantive detail or context to provide value to insurance professionals. Given these limitations, a meaningful, professional, and SEO-optimized summary cannot be generated from the text provided.