On June 4, Scott White, the commissioner of insurance for the SCC, sent a letter of guidance to insurers. The new legislation is compliant with state and federal laws, and will take effect on July 1, he said – despite requests from companies to consider a later date, or to allow limited signup periods. White’s statement and the Richmond guidance might help keep prices down, said Carolyn Engelhard, an associate professor at the University of Virginia and director of its health policy program. Still, she said, the premiums in Charlottesville will remain high, and the age of people in the area ma...