A preliminary analysis by PricewaterhouseCoopers' Health Research Institute predicts that premiums on the Affordable Care Act (ACA) marketplaces will rise an average of 7.5 percent for 2015 policies when open enrollment commences Nov. 15.

State by state, a wide gap exists between highest and lowest, with Arkansas at top with a predicted 50 percent increase in premiums, and Arizona below the bottom with a 23 percent decrease in store for certain consumers.

The Health Research Institute is basing its prediction on rate filings by insurance companies in 29 states and the District of Columbia, which so far average 8.2 percent in rate hikes, but the entry of new insurance companies and other competitive factors should bring that average down a bit in looking forward. Earlier, Avalere Health estimated an 8 percent premium hikes based on filings in nine states.