"[C]arriers that enroll a disproportionate share relative to the market of sicker or higher-risk individuals -- or, specifically, individuals with one or more hierarchical condition categories (HCCs) -- are likely to receive higher risk transfer payments under the updated model than under the current model. Conversely, carriers that enroll a disproportionate share of healthier individuals -- or, more specifically, individuals with no HCCs -- are likely to receive lower transfer payments or will have to pay higher amounts to other carriers under the risk adjustment program."  MORE >>