The Affordable Care Act exchange, which begins its second open enrollment period this Saturday, will offer many Georgians lower prices this time around. Bill Custer, a health insurance expert at Georgia State University, said Thursday that the average premium statewide for a 40-year-old nonsmoker for the second-lowest "silver" plan will rise by 2 percent from the 2014 figure. But in some Georgia regions, the premium for that plan will drop by double-digit rates, he said.