"[I]n situations in which ['zero premium contraceptive-only'] policies are issued to individuals whose underlying comprehensive medical coverage is provided via a self-funded group health plan ..., the issuer (or an affiliate) would be eligible to receive adjustments to any federally facilitated exchange (FFE) user fees it might owe ... All else being equal, a lower level of FFE user fees would lead to higher reported premiums for MLR purposes, a lower reported MLR value, and a potentially higher level of customer rebates."  MORE >>