"[We] can take three early lessons away from the first six weeks of open enrollment: [1] Obamacare's enrollment target of 9 million to 10 million for 2015 (reduced from 13 million) is still very optimistic. [2] Inertia rules: It appears that two-thirds of 2014 enrollees have auto-enrolled in the same plan, although most could have saved on premiums if they had shopped around. [3] On average, each new 2015 enrollee is receiving a bigger subsidy than the average 2014 enrollee. So, even though there are fewer Obamacare dependents than initially expected, the total cost to taxpayers may not go down."