Amid the uncertainty about the future of the Affordable Care Act and the health care coverage it provides, even more people signed up for coverage during this year's enrollment period than during last year's. 

And despite the exit of many insurers from marketplaces across the country, rate hikes — while substantial in some areas — were by no means as large as consultants expected to see. Nor were they as costly to insureds as might have been expected, since along with the rise in premiums came a rise in subsidies. 

That means that many shoppers for insurance coverage were actually pleasantly surprised by their end costs.

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