Individual Plan Subscribers = People who pay for their health insurance out-of-pocket and do not have insurance through an employer.
Group Plan Subsribers = People who have employer-based health insurance.
Affordable Care = Affordable Care Act
ObamaCare = A term often used to refer to ACA. Uesd somewhat interchangably depending on how you feel about ACA. I used both terms together to be neutral.
Pool = Group or subset of persons (in these instances: Those having or needing health insurance coverage)
Offloading = Directing into lower benefit plans such as an HMO and/or other insurance providers in the ACA marketplace (some people took exception to the term "offloading", so perhaps "shedding" more palatable)
I realize that I'm a bit of word-wonk when it comes to this subject. Hopefully this will clear things up for you, SRJ.
When people don't take the time to understand things it leads to that "lemming march" Bob Nestor described.
