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So "changes" are not the problem. The problem is "changes in calculations"?
Aren't "changes in calculation" covered by "changes"? And the text I quoted authorizes changes in the calculations.
Nowhere does the ACA legislation contemplate abandoning the "budget neutrality" requirement regarding risk adjustment. The change in calculation offered with this new regulation does exactly that to avoid the rate increases insurers were anticipating would be required. IOW, there is no budget neutrality and HHS is illegally handing taxpayers a bill in yet another attempt to hide the dismal failure that is Obamacare.