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What Happens When Health Plans Compete
The New York Times; subscription may be required Link to more items from this source
Sept. 1, 2014
"Many insurers did not participate in many of these exchanges in 2014. UnitedHealthcare, the nation's largest insurer with 84 million policies in force in 2010, did not participate in any exchanges. Had it done so, [one study] estimated that premiums would have been 5.4 percent lower. Had all insurers in each state's 2011 individual market participated in that state's exchange in 2014, premiums would have been 11 percent lower, saving $1.7 billion in federal premium subsidies."

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