(AP) — The average rate for policies sold on Minnesota's health insurance exchange will go up 4.5 percent in 2015 but remain the lowest in the nation, state officials said Wednesday. The four holdover companies — Blue Cross Blue Shield of Minnesota, HealthPartners, Medica and U-Care — submitted average rates that ranged from a 10 percent decrease to a 17 percent increase. On Wednesday, Senate Minority Leader David Hann argued the average was misleading and that many consumers will pay much more, especially with PreferredOne's departure. MNsure chief executive Scott Leitz encouraged consumers to shop early for policies, and he said more people will qualify for tax credits in 2015 than this past year. More than 327,000 people have signed up for policies via MNsure, and exchange officials have said the state's rate of uninsured people has dropped more than 40 percent.