NEW YORK (MainStreet) -- Nov. 15 marks the start of Obamacare open season, when individuals can once again sign up for Marketplace health insurance under the Affordable Care Act.

That has consumers wondering if Obamacare Marketplace insurance premiums will be hiked up at the first opportunity. A recent Kaiser Family Foundation study of the largest city in each of the 15 states and the District of Columbia, for which rate filings have been made available, shows that rather than rising, the average silver plan premium will fall slightly in 2015, before applying tax credits.

The second lowest cost silver plan, which will decrease on average by 0.8%, is used as the benchmark to which the amount of federal financial credit assistance in the form of tax credits to individuals is linked.

But that average cost reduction is not necessarily good news, and not all consumers will be pleased with their new premiums.

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