actuarial firm oliver wyman estimates premiums in the individual market will increase an average of 40%, the society of actuaries estimates an average premium increase of 32% in the individual market. the obama administration unilaterally delayed the provision of the law that limits out-of-pocket payments, e.g., deductibles, co-pays, to $6,350 per individual for $12,700 per family. according to avic roy a senior fellow, a writer for forbes.com, -- quote -- "if you compare the cheapest plan on health care.gov to the cheapest, quote, bronze plan on the covered california insurance exchange, premiums for healthy 25-year-olds will increase by 147%. a median of $183 on the exchange versus $74 today. and premiums for healthy 40-year-olds will increase by 149%. a median of $234 on the exchange versus $94 today. and because california bars insurers from charging different rates based on gender, and so do colorado, maine, massachusetts, minnesota, montana, new hampshire, new jersey, new york, oregon, and washington, the war on young people's premiums will fare just as poorly for women in califor