This Policy Brief analyzes the 2014 premiums of health
insurance plans available in the new marketplaces created
by the Affordable Care Act. Using methodology developed
in an earlier Policy Brief, we find that initially, a
state-based marketplace design and an "MSAs+1" rating
area design are associated with lower average premiums.
Rating areas with more than 1000 people per square mile
also tend to have the lower premiums. We find that the
rating areas with the highest average premiums are
characterized by smaller populations, greater land areas,
and far fewer health providers per square mile.