It's almost year two of Obamacare enrollment, but carriers continue to struggle finding their footing among the exchanges. Moody's analysts said Tuesday that carriers selling their products on the exchanges will struggle with a year of "risks and unknowns."

Analysts highlighted the major risks carriers will face this year as a result of the Patient Protection and Affordable Care Act in a new report.

Chief among them was the "requirement to submit premium rates for 2015 before credible financial data on polices sold in 2014 became available," Moody's analysts said in new report.

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