Does anyone KNOW if the "Bronze" Health Insurance Policies offered on "The Exchange" in 2014...

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6. regulations are still being writen

Insurance company lobbyists are still working out the details with the various federal and state agencies that will decide.

I think insurers may want to cover ALL costs and expand coverage. Because of the medical loss ratio, the best way to increase profit is to increase premiums - reducing medical costs actually reduces profit so they need medical costs to go up which means covering more. They'd rather have premiums increase than higher co-pays since they get a part of the premium but not part of the co-pay.

Insurers will turn the MLR around and say "congress told us we can charge 15-20% more than we spend on medical costs". Regulators may try to limit the increases but insurers will run a PR campaign with medical costs and the MLR details and tell us what coverage they will cut if regulators get their way. They won't mention that they could cut costs without reducing coverage and people will believe that they have Congressional approval to jack up rates. Hospitals and doctors will go along since they will get paid more and not have to reduce costs and as a result insurers will make more profit.