As Sen. Ted Cruz's faux filibuster continues, the Obama administration has announced that insurance rates under the Affordable Care Act will be lower than expected. Rates vary state by state, but unsubsidized monthly premiums could be as low as $70 per month for an individual and as high as $1,200 for a family of four. The average premium for an individual will be $328 in 2014, before tax credits that most people who use the exchanges will qualify for. However, the rate announcement will give some fuel to Obamacare critics: part of the reason the rates came in lower than expected is because insurance companies created special plans with fewer in-network doctors and hospitals.
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