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Marketplace Competition and Insurance Premiums in the First Year of the ACA
Urban Institute via Robert Wood Johnson Foundation 
Aug. 12, 2014
"[The authors] consider the variation in premiums within markets and the effects of competition, or lack thereof, on premiums.... The carriers that chose to be aggressive acknowledge the importance of being one of the two second lowest cost silver plans to attract large numbers of enrollees ... While it was not clear when 2014 rates were set, based on interviews and state it seems clear that large numbers of individuals have chosen plans primarily based on price."
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