"Overall, the proposed rule minimizes the number of significant regulatory changes to provide states and issuers with a more stable and predictable regulatory framework that facilitates a more efficient and competitive market. These changes would further the Biden-Harris Administration's goal of advancing health equity by addressing the health disparities that underlie our health system. They also build on the [ACA] to expand access to quality, affordable health coverage and care by lowering premiums, strengthening markets, and enhancing the consumer experience."

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