Confusion Surrounding ACA Premium Changes Noted. Noting the confusion surrounding “conflicting” ACA premiums announcements, Kaiser Health News (8/1, Appleby) explains, in “A Guide For The Perplexed,” that “state rates vary considerably because state regulations differ.” However, a “bigger factor” may be the political “spin” that state officials place on comparisons show a large or small increase. Most policy analysts claim that “average premiums will go up for younger, healthier people” and rates will “fall for older or sicker Americans.”