The rating agency does not expect to know how the programs will really work until 2015.

The multi-state plan program has gotten off to a much quieter start than the CO-OPs.

Options could range from HSAs for all to single-payer systems, organizers say.

In Brooklyn, Mohs sought a discount for employers that bought coverage without help from brokers.

Harvard Pilgrim estimates the reinsurance program will cost about 1 percent of base premium revenue.

Plans with 500 or fewer enrollees will be exempted.

CMS is warning state insurance commissioners that adding choice programs could lead to higher prices.

New individual policy sales data is hard to find.