Still, the CBO has estimated that premiums on the individual health insurance market in 2016 will cost 14 percent to 20 percent less than they would have cost had the Affordable Care Act not been enacted.
Georgetown's Dash said the level of participation in the exchanges will depend on "a multiplicity of factors," including pricing and an exchange's "user interface" -- or how easy it is for consumers to navigate the Web portal or phone center to purchase a health plan.
"Number one, how affordable is the coverage?" she said. "We haven't seen the prices yet."