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'Sticker Shock' in Individual Insurance under Health Reform
National Bureau of Economic Research [NBER] 
June 16, 2014
"Using data from the Current Population Survey, [the authors] find that the average prices increased by 14 to 28 percent, with similar changes in California and the federal exchange states; [they] attribute the increase primarily to higher premiums in exchanges associated with insurer expectations of a higher risk population being enrolled."
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