The Affordable Care Act is working to improve competition and choice among affordable Marketplace health insurance plans in 2015. Based on analysis of 35 states, there are over 25 percent more issuers participating in the Marketplace in 2015. Premiums for the benchmark (second-lowest cost) silver plan will increase modestly, by 2 percent on average this year before tax credits, while premiums for the lowest-cost silver plan will increase on average by 5 percent. More than 7 in 10 current Marketplace enrollees can find a lower premium plan in the same metal level before tax credits by returning to shop.
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