"I mean, it's just tremendous," Pore said.
The reduced premiums are not universal. Twenty-year-old women who make between $34,470 and $45,960 will pay 44 percent more for their insurance premiums than they would have otherwise, provided they buy the insurance through the marketplace and not through their employer.
Young men with average to high incomes are one example of a demographic that may pay more for insurance if they go through the health insurance marketplace.
For instance, a 20-year-old man who makes between $34,470 and $45,960 will pay 92 percent more for insurance premium through the marketplace than what he would have paid otherwise, according to the study.
But those who are in that demographic may be few.
"I do think it's worth noting there's very few ... 20-year-olds making 400 percent of the federal poverty level," Merritt said. "That's $46,000. I would imagine that there are very few families [making] more than 400 percent of the federal poverty level that are shopping in the marketplace that don't have their insurance through an employer."
The state Insurance Commissioner's office commissioned the actuarial study.
Enrollment in the health insurance exchange begins Oct. 1. Coverage is set to start Jan. 1, 2014.
Reach Lori Kersey at lori.ker...@wvgazette.com or 304-348-1240.