Consumers and small employers who prefer plans with high premiums but low out-of-pocket costs might be out of luck next year.

Paul Houchens and other actuaries at Milliman report in an analysis of Patient Protection and Affordable Care Act exchange plan menus that rich, platinum-level products are scarce in the individual exchanges and the Small Business Health Options Program exchanges.

Typical individual HHS exchange users will see only one insurer offering platinum-level "qualified health plans," and employers using SHOP exchanges will be lucky if they can get platinum coverage from even a single carrier.

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Allison Bell

Allison Bell, ThinkAdvisor's insurance editor, previously was LifeHealthPro's health insurance editor. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached at [email protected] or on Twitter at @Think_Allison.