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What's Behind Health Insurance Rate Increases? An Examination of What Insurers Reported to the Federal Government in 2012-2013 (PDF)
The Commonwealth Fund 
Dec. 30, 2013
"The [ACA] requires health insurers to justify rate increases of 10 percent or more for nongrandfathered plans in the individual and small-group markets.... [F]or rates taking effect from mid-2012 through mid-2013, insurers attributed the great bulk -- three-quarters or more -- of these larger rate increases to routine factors such as trends in medical costs.... The ACA-related factor mentioned most often, but only in a third of the rate filings in this study, was the requirement to cover women's preventive and contraceptive services without patient cost-sharing."
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