We’re finally getting close to the point where people can start buying insurance policies in the Obamacare exchanges, and all of the bluster about “rate shock” is running into reality. The bottom line is that the health care plan will be affordable for many people.

The main takeaway from an exhaustive new study of premiums on the Obamacare health insurance marketplaces: They’re generally going to be lower than expected, undercutting the persistent claims of “rate shock” by conservatives.

Marketplaces premiums are coming in below initial estimates, said the nonprofit, nonpartisan Kaiser Family Foundation in a new report released Thursday.

The expected monthly premium for a 40-year-old adult purchasing a silver-level plan (the baseline, which covers 70 percent of costs) on a marketplace had been $320, according to previous projections from the Congressional Budget Office. But in 15 of the 18 regions studied by Kaiser, the average premium will be below that — thus the study’s conclusion that the prices are going to be lower than anticipated.

“While premiums will vary significantly across the country, they are generally lower than expected,” the authors wrote.

In some states like Wisconsin, Republican administrations are trying to push the notion that premium prices are rising, but the information they are putting out there excludes the subsidies available to many people.

The key for everyone is to actually go into the health care exchanges once they are open and see for yourself what is available.