As insurers and consumers get ready for elements of the Affordable Care Act to take effect in January, they are discovering that the affordability part comes and goes. While the law will increase access and reduce costs for many, for some — notably people who work for small employers or who buy their own insurance — rates will likely rise.

Price increases are a downside of the President's health care law, according to an Associated Press story in the Star Tribune this week.

"The massive law calls for a number of changes that could cause premiums for people who don't have coverage through a big employer to rise next year — at a time when health care costs already are expected to grow by 5 percent or more," the article said.

Prof. Stephen Parente from the University of Minnesota joins The Daily Circuit to help explain the premium hikes, who faces them and why.

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