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]