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Two women wait in an exam room at Nuestra Clinica Del Valle, in San Juan, Texas. (AP Photo/Eric Gay)

Insurers are beginning to file proposals for offering health insurance on state exchanges in 2015. But these proposals will still be best guesstimates as the providers try to decipher lessons learned so far in 2014, and do their best to forecast political and medical cost trends as they prepare their new rate requests.

Dan Cook

Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.

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