The reason for high premiums in Obamacare is simple: There wasn't enough carrier participation.

Sales for health care plans outside the exchanges surged at the beginning of the year, according to new analysis.

Last month we told you that voluntary sales, according to our annual U.S. Worksite/Voluntary Sales Report, were $6.644 billion, a 4.3 percent increase over 2012 results (adjusted for new companies and method changes).