A collaboration between the governor and the General Assembly led to a new law providing premium relief to Maryland residents, and the reductions are significant. But they will be temporary unless the health care community and the state take decisive steps to ensure long-term affordability. We have a window of opportunity to stabilize the individual insurance market, and it is our shared responsibility to seize this moment. As legislators, regulators, health policy experts, insurers and consumers examine next steps, we should work to make coverage affordable and truly accessible to all. Health insurance should not be so expensive that Marylanders opt to go without coverage or are forced to decide between health care and paying daily living expenses. The path forward requires investment to improve community health while reducing the actual cost to deliver care.