40 pages. "Rate increases in 2016 are generally modest, though higher than in 2015.... [T]he average increase in each insurer's lowest-cost silver plan premium across all 20 states plus the District of Columbia is 5.6 percent. If consumers in each rating region enroll in the plan with the lowest silver premium available to them in 2015, and do the same in 2016, on average they will see their premium increase by 4.3 percent."