"[A]djusted premiums in the individual market in states with prior approval authority combined with loss ratio requirements were lower in 2010-2013 ($3,489) than premiums in states that had no rate review authority or that had only file-and-use regulations, preventing the states from blocking rate increases ($3,617). Adjusted premiums declined modestly in prior approval states with an anticipated loss ratio requirement, from $3,526 in 2010 to $3,452 in 2013, while premiums increased from $3,422 to $3,683 in states with no rate review authority or file-and-use regulations only. Adjusted premiums experienced a similar decline in prior approval states without an anticipated loss ratio requirement."