Insurance premiums rose across the country this year for policies sold on the Affordable Care Act exchanges, but the increases were uneven.Some states saw much larger price hikes than others.

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While Pennsylvania has a low, flat personal-income tax rate of 3.07 percent, New Jersey's ranges from 1.40 percent for incomes under $20,000 to 8.97 percent for incomes over $500,000 - nearly triple Pennsylvania's rate.

The agreement also allows Jersey residents who work in Philadelphia a tax credit against the city wage tax. New Jersey-based companies with employees who live in Philadelphia and the surrounding Pennsylvania suburbs will be at a huge disadvantage, according to Kathy Davis, president of the Chamber of Commerce of South Jersey.

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"So we strongly supported the reciprocity agreement; it serves both states well.

We hope the governor overturns the decision." The PA/NJ Reciprocal Income Tax Agreement was put in place in 1977 and allows New Jersey and Pennsylvania residents to pay income taxes in the state where they live, not where they work.

Competition was intended to be the primary means for controlling costs on the ACA exchanges based on the theory that markets work.

The new survey of insurance rates suggests that the theory is correct. And people with pre-existing medical condition are still better off than in the days before the ACA went into effect, when they could be locked out of coverage entirely.

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