It's probably no surprise — this being an election year — that certain forces have centered their campaign arguments around the various failures — and successes — of the Patient Protection and Affordable Care Act, which is in the midst of a critical year of implementation.

While it's important to keep in mind that the law hasn't been completely enacted, it's fair to question how much PPACA has changed health insurance so far. And perhaps most everyone involved with health insurance is wondering what's going to happen to premiums next year.

Well, some of the reports are in.

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