For all of the gnashing of teeth over a presumed insurance cost spike once the Affordable Care Act's individual mandate goes into effect, we're seeing a much tamer picture, including a dramatic reduction in costs in some states. News just came out that New York could see prices on its insurance exchanges plunge as much as 50%!

In this video, health-care analyst David Williamson discusses how this surprising turn of events is possible, why other states shouldn't expect similar results to New York, and why insurers such as UnitedHealth Group are posting great quarters now while still sounding alarms for 2014.

Follow David on Twitter: @MotleyDavid.

David Williamson has no position in any stocks mentioned. Follow David on Twitter: @MotleyDavid.

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