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CRS Insight: From Initial Rate Filings to Final Premiums -- Peering Into the Black Box (PDF)
Congressional Research Service [CRS] 
Aug. 11, 2014
2 pages. "Final premiums paid by consumers are the end results of a months-long process that begins with the development of rates for proposed 2015 insurance policies.... Filing requirements and rate review apply to policies offered in a given state, whether or not they are offered through exchanges ('marketplaces') established under ACA. Each state specifies the timeline by which these processes occur; therefore, any rates made publicly available at this time should be viewed with caution. Often early analysis of '2015 premiums' is based on information from form and rate filings." [CRS Insight IN10128, Aug. 7, 2014]
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