![Mfr Omg](images/smilies/modern/mfr_omg.gif)
Individuals in most states will end up spending more on the exchanges. It is true that in some states, the experience could be the opposite. This is because those states had already over-regulated insurance markets that led to sharply higher premiums through adverse selection, as is the case of New York. Many states, however, double or nearly triple premiums for young adults. Arizona, Arkansas, Georgia, Kansas, and Vermont see some of the largest increases in premiums.
![Protest](images/smilies/modern/protest.gif)
http://www.heritage.org/research/rep...insurance-fare