"[A]lthough the Proposed Notice does make some adjustments in the program for 2014, it is primarily oriented toward the second year of the program, 2015.... The Proposed Notice lowers the attachment point to $45,000 [for 2014], recognizing that the pool of covered individuals is likely to be smaller and higher-risk than initially anticipated.... HHS proposes changes in its 2014 risk corridor program.... [including] changing the definition of allowable costs by increasing the profit margin floor (currently set at 3 percent) and the administrative cost ceiling (currently 20 percent after taxes) to increase the risk corridor payments to offset lower premium revenue and increased claims costs.... The 2015 risk adjustment program will use the same methodology as the 2014 program with a few changes."