The Center on Budget and Policy Priorities published a report that asserts the need to back up health insurance market reforms with health reform legislation to avoid surging premiums and disruptions to the current market.

From the report:

These market reforms will work properly only if they are enacted as part of broader health reform legislation that includes, among other things, both a requirement for individuals to have health insurance and provisions to make health insurance affordable for people of modest means. These elements are included in the comprehensive health bills that the House and Senate have passed.

Full report: Major Insurance Market Reforms Will Not Work Unless They are Part of Broader Health Reform (PDF | 183.84 KB)

Center on Budget and Policy Priorities. (2010). Major insurance market reforms will not work unless they are part of broader health reform. Angeles, J., Lueck, S., Park, E. & Solomon, J.