That said, there are at least three bills on Capitol Hill that would allow the 2013 insurance plans to operate into 2014, under various scenarios. House Republicans plan to vote next week on one of the bills, sponsored by Energy and Commerce Committee Chairman Fred Upton (R-Mich.), that would offer insurers the option to continue to operate their 2013 insurance plans into 2014.

The bill “raises a number of operational concerns,” said Robert Zirkelbach, a spokesman for trade group America’s Health Insurance Plans.

Another insurance industry official said it would be “almost impossible to operationalize” the bill for 2014 — “bordering on herculean.”

Insurers often have to get state approval each year for their plans and premiums, which can take months. For these 2013 plans to get renewed in time for 2014, the federal government would have to circumvent state control of insurance plans — a significant change in precedent — or demand states swiftly approve the plans.