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National Association of Insurance Commissioners Comment Letter to HHS on Proposed Health Insurance Market Rules and Rate Reviews (PDF)
National Association of Insurance Commissioners [NAIC] 
[Opinion] Jan. 7, 2013
"While subsidies and higher cost-sharing options may be of some assistance, in most states, these populations could have their individual market rates rise considerably in 2014. This potential "rate shock" could, in turn, result in their leaving the marketplace, even with the penalties, which are quite low in the first years. States need as much flexibility as possible under the law to work with issuers to address this problem."
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