What is the fine-grained topic of the following text: According to the Congressional Budget Office (CBO), an explosion of “junk insurance” will occur in states opting out of Obamacare protections – leaving millions with worthless coverage in cases of serious illnesses, diseases or injuries, especially when involving surgery and/or expensive drugs. Only return the topic.
Impact of states opting out of Obamacare on the quality of health insurance coverage