"Insurers don't think it's fair to penalize them for expenses they incurred solely because of the government's broken website or the administration's last-minute policy changes.... The Affordable Care Act says individual policies can spend only 20 percent of their premiums on overhead and profit. If they spend more, they have to rebate the difference to their customers. Some plans worry they'll go over the limit this year because of the extra administrative costs the administration has dumped on them since October."  MORE >>