The state may use HealthCare.gov for 2015 and another state's exchange system for 2016.

Getting all individual insurers into all exchanges could cut the premiums, economists say.

William Sage says providers should offer "assembled, warranted products."

Customers who bought new-law coverage can't return to old-law transitional products, officials say.

Regulators also are saying plans can use last year's benefits summary templates.

The consumers who are still getting covered may be paying about $265 per month.

The number of uninsured patients visiting emergency rooms has dropped 24 percent.

Actuaries predict employers will look for new ways to provide health benefits.