Forget a modest 3 percent or 4 percent premium increase. Avalere Health finds that the most popular exchange plans — silver — in 2014 increased premiums by 10 percent on average in 2015.

In analysis out Thursday, the health consulting firm said 28 percent of all exchange enrollees selected the lowest-cost silver plan available.

The analysis comes shortly after government data found that people buying PPACA plans for 2015 can expect to pay about 3 percent more on average for the cheapest coverage. That same data also projected a 4 percent increase for silver plans from a year before.

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