Nearly 20 states have released preliminary information about premiums for insurance policies sold on their insurance exchanges, and the nightmare scenarios have not come to pass. In most of those states, the average increase across all exchange plans is in the single digits.

According to a PricewaterhouseCoopers analysis of 18 states’ initial filings, 10 states will see average premium increases of less than 10 percent—nominal hikes in line with the standard increases that have happened every year with or without Obamacare.

The outliers so far are Indiana, with an average increase of 15 percent, and Rhode Island, where the average premium will fall by about 1 percent.