@jym626 - how is the medical home concept different from, say, Kaiser?
Exactly, LF.
As for the preliminary prediction of 4.4% increase – with all the usual caveats about carriers, location, etc. – that is astonishingly low, if you’ve been in the individual market for decades as I have. Before ACA, I considered 15% to be a good year.
And it’s not just health insurance costs which are being tamed. Health care costs (which despite confusion mongering, is not the same thing) are growing at record lows.
Sorry, but ACA is working. 
ETA – For those who are unhappy with the eventual finalized rate increase, guess what? You can change plans or even carriers, without penalty, without underwriting – thanks to ACA.