"[A]verage premiums for the second-lowest cost silver-level marketplace plan in 2014, which serves as a benchmark for ACA subsidies, were between 10 and 21 percent lower than average individual market premiums in 2013, before the ACA, even while providing enrollees with significantly richer coverage and a broader set of benefits.... [L]ocal conditions can vary significantly because premiums are determined separately for each local marketplace. Similarly, due to its community rating provisions, the impacts of the ACA on individuals' premiums may vary significantly based on health status -- the ACA is more likely to increase premiums for healthier enrollees and decrease them for sicker enrollees."  MORE >>