Washington is on the brink of a shutdown but the temporary closure of various government agencies would not impact the official enrollment date of the Affordable Care Act, also known as Obamacare. Millions of Americans without health insurance can choose a new plan starting Tuesday, Oct. 1, through the various state health marketplaces that were established by the law. Avik Roy, senior fellow at the Manhattan Institute, crunched the numbers and found that Colorado, New York and Ohio will offer the lowest insurance rates to residents.

Related: Obamacare Could Mean Steep Rate Hikes in These Four States

The savings will be big: rates will drop as much as 34% in Colorado, 30% in Ohio and 27% in New York. That may seem like a huge decrease, but Roy tells The Daily Ticker that New Yorkers, for example, currently pay some of the highest rates in the country, so “yes from a relative standpoint New York is going down but on an absolute basis New York will still be one of the highest cost states.”

The reason that these three states will have lower insurance costs is because the healthcare plans available today already include many of the same regulations that Obamacare mandates. Insurance companies cannot exclude individuals with preexisting health conditions or charge higher prices based on age or prior health status.

Related: Obamacare: More Coverage at Lower Cost For Many Young People, Says Young Invincibles

Watch the video above to see how Roy came up with his analysis.

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