"[It's] important to look between the lines and see which plans are not requesting double-digit hikes for 2016.... The classic 'bait-and-switch' entices consumers to the store with the lure of bargains, but when they arrive they find those items sold out, or are pressured to buy up to a more expensive product.... The insurers requesting big rate increases for 2016 may be doing just the opposite: jacking up the costs of existing products so that narrow-network products, typically featuring care integration, look more attractive."