"Critics of the ACA in recent weeks have said the law is to blame for the large increases.... [One] analysis found that preliminary premiums for 2016 benchmark silver plans increase by 4.4% in large metropolitan areas in 10 states and Washington, D.C. Meanwhile, a separate ... analysis released this month projected that silver exchange plans would increase by 5.8% in eight states.... [T]hose rates are much lower than what some expected but higher than the 2% rate increase seen nationwide last year."