Recent events – including carrier turnover, plan terminations and pricing volatility – suggest that the individual health insurance market is “still in flux” after the close of the third open enrollment period for the public exchanges, according to a new report by management consulting firm McKinsey & Company. About 30% of carriers in the market earned a profit in 2014, and preliminary reports suggest close to one-quarter were profitable in 2015, the authors state. “Careful analysis of all carriers’ performance reveals several factors associated with better results,” the report adds. “These factors suggest that success in the individual market could require many carriers to develop fundamentally different business models.”