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How Will Premiums Change Under the ACA? (PDF)
American Academy of Actuaries Link to more items from this source
May 9, 2013

"Premium changes due to ACA health insurance market reform rules will vary across states and individuals and will reflect many factors, including: [1] The effectiveness of the individual mandate and premium subsidies at attracting low-cost enrollees, [2] New benefit requirements which may increase plan generosity but reduce out-of-pocket costs, [3] Employer offer decisions and the demographics and health status of any employees shifting to coverage in the individual market, [4] How each state's current issue and rating rules compare to those beginning in 2014, and [5] Each individual's demographic characteristics and health status (and income when determining premiums net of subsidies)."

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