Premium costs will be higher for individuals and families who are using New York’s health exchange next year, wrote The Associated Press.

According to state officials, deductibles and co-payments will be flat in year-two, but premiums will rise about 4.5 percent for individuals and families.

Open enrollment begins Saturday, and there have been some minor changes: 16 insurers are offering individual plans, while nine will have coverage for businesses with 50 or fewer workers.

One insurer, American Progressive, is dropping out, while Wellcare is joining the individual exchange. In the small business exchange Oxford Health Plan is leaving and EmblemHealth is joining. Six insurers are expanding their offered coverages.

However, according to the state Department of Financial Services, even with the changes, the shifting around of providers and the rate increase, health insurance costs through the exchange overall are still about 50 percent lower than they were before the exchange opened, because the influx of new enrollees created a larger customer pool.

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