Given inherent limitations in the quality and completeness of the data, readers should view study findings with caution. Study results suggest significant changes in the individual and small group insurance markets since the passage of the Affordable Care Act. Twenty-three states launched public websites and six more required SERFF filings after passage, thereby increasing the transparency of health insurance markets. In 2011, rate increases were approximately three percentage points lower than in 2010 in the individual market and two percentage points lower in the small group market. State regulators were more likely to modify requested premium increases in 2011 than in prior years. These trends are consistent with more stringent regulatory oversight encouraged by the Affordable Care Act.