So how are the insurers offering plans on the exchanges keeping their costs down?
In part, the use of narrow networks, also known as high-performance health plans, allows insurance companies to increase competition among doctors and hospitals by being more selective about with which companies they include in their coverage.
Ceci Connolly, managing director of the Health Research Institute, said even employers are looking at narrowing their networks to lower costs.
"We anticipate that the public and private exchanges are going to continue to foster greater competition and ongoing pressure to provide better value," Connolly said. "Everyone's going to be able to look at what's out there and available on these exchanges. I think employers will turn around and ask insurers for similar good value, when they compare plan offerings and see if they're getting what they want for their money."