This is why your healthcare costs can rise next year under ACA
It depends on where you live.
• Premium and tax credit changes – What people pay for coverage in 2015 will likely change from 2014, due to various factors. As a result, it will be important for consumers to examine their 2015 coverage options and costs during this upcoming Open Enrollment Period. One key factor will be changes in the cost of the benchmark plan in a Marketplace. A preliminary analysis of premiums in 16 cities finds that the premium for the second lowest cost silver plan (the benchmark plan for computing premium tax credit amounts) will decline by 0.8 percent on average. Among those cities, the benchmark premium will increase by as much as 8.7% and decline by as much as 15.6%. These changes will have an effect on the cost of coverage for most consumers (i.e., those who are eligible for premium tax credits), even if their own circumstances don’t change from 2014 to 2015. In addition, changes in an individual’s income, age, and family status, as well as changes in the formula for calculating premium tax credit eligibility, will also affect the cost of coverage for consumers.
http://kff.org/health-reform/issue-brief/explaining-the-2015-open-enrollment-period/