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8/22/2013: The ACA's Early Renewal Loophole (The Commonwealth Fund)
"Insurers are offering healthy and younger individuals and small businesses favorable rates to renew their policies in 2013 instead of 2014. Those who do so will be carved out of the risk pool for the new marketplace in 2014. Yet it is young, healthy people that the new marketplace needs in 2014 to keep premiums affordable. If the only people who enroll in new plans in 2014 are more expensive to cover than insurers have accounted for in setting their rates -- which have been coming in lower than anticipated in a number of states -- insurers will need to make up for the higher risk the following year. That means higher premiums for everyone in 2015."
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