What do you think would reduce premiums?  Don't forget that we have been seeing double digit increases in premiums for decades.  While I don't like O-Care, it has slowed the growth of premiums somewhat.  It didn't reduce them as advertised, but did slow the growth.

http://www.factcheck.org/2015/02/slower-premium-growth-under-obama/
http://www.kff.org/report-section/health-care-costs-a-primer-2012-report/